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The man who confronted and helped stop a gunman at a Tennessee Waffle House has released a mini-documentary early Tuesday morning, to mark one month since the attack that left four people dead.James Shaw Jr. released the video on YouTube. It's set to the Drake song "God's Plan," and shows the moments Shaw presented the families of the victims with large checks from a GoFundMe campaign Shaw launched after the shootings. Shaw presented the donations to the families privately last week on the campus of Tennessee State University.Shaw raised more than 0,000 in the online campaign.Shaw is credited with saving lives during the April shooting. He told police he was able to wrestle the gunman's AR-15 away from him. Shaw said in a social media post that the documentary is meant to honor the four victims: DeEbony Groves, Akilah DaSilva, Joe Perez, and Taurean Sanderlin. 913

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 impact of the pandemic appears to have reached the North Pole. For this holiday season, Santa may be stuck behind Plexiglas. Malls across the country are planning pandemic-minded visits to help prevent the spread of the coronavirus.Mall Santa Steve Miller has been putting on the red suit full-time for four years.“I prefer to do the mall, because I do it for the kids,” sad Miller.But this year, there won’t be any hugs or sitting on Santa’s knee.“Because of the virus, it's going to take a little of fun out of it, but it's going to be much more safe, which is the number one thing that we want,” said Miller.Appearances by St. Nick at malls, corporate events and private appearances is a holiday tradition that’s already being impacted by the pandemic.“We've been working with a lot of retailers as well as malls too. How can we still have the experience of Santa, but keep everybody safe?” said Mitch Allen, founder of HireSanta.com.According to entertainment staffing firm Hire Santa, bookings that usually peak beginning in early November were down 95% due to coronavirus concerns. But after advertising their safety efforts, demand is up 20% compared to this time last year.“The Santa Claus entertainers, as you can imagine, they're a high-risk group. So, we want to make sure that Santa's safety is our number one priority,” said Allen.Allen says they’ve developed a Plexiglas "Santa shield" that creates a physical barrier to allow for photos with Santa.“We at HireSanta.com are also working on virtual Santa visits where you can literally visit with Santa within the confines of your own home,” said Allen.Brookfield Properties, the second largest operator of U.S. malls, says it will host Santa in 134 of its 150 plus malls with "touchless experiences."Santa’s Village, a popular Illinois amusement park temporarily shut down by the pandemic, is taking Santa on the road.“For over 60 years, boys and girls have come to the house here in the park to visit me. But now we're going to take my house to your house,” said the amusement park’s Santa Claus.Their mobile Santa home has a separate entrance and exit to maintain social distancing, and a working fireplace will keep visitors warm and plenty of masks and "Santa-tizer" will be on hand as well.“It's great, because we can actually bring again that magic from the park to people's individual homes in local communities,” said Santa’s Village marketing director Brian Wright. “That way people can actually have a personalized visit with Santa.”Whether behind Plexiglas or inside a traveling "One North Pole," changes are afoot to ensure that Santa Claus is still coming to town. 2653

The housing market halted at the start of the coronavirus pandemic in the United States, but now that sector of the economy is seeing the strongest recovery.“Housing economist have been optimistically surprised by the return of buyers to the market,” said Zillow Economist Skylar Olsen. “The overall availability of inventory is more constrained now than it was last year and that is putting upward pressure on prices, meaning that prices are stable.”Over the last few weeks, realtors like Michelle Pfeffer in New York City have noticed not only a strong market, but a new trend with the most competitive sales being homes located in the suburbs.“A lot of properties that are coming on the market are having showings within a couple of days and a lot of multiple offer situations,” Pfeffer said about homes in the suburbs. “We are definitely seeing more people moving out of the city.”Lingering uncertainty around the pandemic, and a possible second round of closures and self-quarantines have motivated many of these moves.“We are getting people who have been in quarantine for a couple of months now in small quarters and maybe have decided that it is more of a priority to have a yard and space,” Pfeffer added. “Also, because we have had a big technological shift, companies that weren’t offering remote work options previously were sort of forced into it and found that it was effective. Which means that they don’t have to be in the office every day and it gives them the opportunity to live in further distances.”According to research by Zillow, New York City, Miami, and San Jose are so far one of three cities seeing the trend of a substantially higher number of people moving out of the city and to the suburbs.Economist at Zillow are monitoring sales and home searches to see if this is a trend that will spread to other major cities or not, in addition to other possible trends the pandemic may cause in the housing market.“This experience can bring a lot of changes to housing, but it is a little bit too early to see how we’ll actuate that out and you can imagine a lot of different ways that can play out,” said Olsen. 2141

The original Oktoberfest can be traced back to the early 19th century in Munich, Germany.Since then, cities across the United States celebrate the festival of German heritage.WalletHub compared the 100 largest U.S. cities based on 23 indicators of Oktoberfest friendliness and fun, and chances are, you can find one of these celebrations near you. 355