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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 someone asks to borrow your cellphone, would you lend it them? If you have a popular payment app on there, you might want to think twice.Popular money transfer apps and services like Venmo, PayPal or Apple Pay are all attached to people’s bank accounts.Brittany Burmeister uses Venmo every day. She wasn’t aware police in cities across the country are warning of a scam circulating, costing some thousands of dollars.It works like this: someone asks to use your smartphone, says their battery died or they left theirs at home, they use your payment app and steal your funds without you even knowing.Joseph Martinez, an information system security professor at Milwaukee Area Technical College, says when you’re not using them, log out of the money apps and while you’re at it, get off of Bluetooth.“They can hack into the phone via the Bluetooth portal and then through that portal have access to any application that you have your password and credentials automatically stored,” said Martinez.He also suggests linking your credit card instead of a debit card, so you have more protection. Burmeister is taking notes, considering her cell, like so many others, is a digital wallet. She says she’s not sure now if she’ll hand off her phone to a stranger. “I’d probably just say 'hey, I bet the restaurant has a phone inside' or if they’re in a public place,” said Martinez. A spokesperson for Milwaukee police hadn’t heard of any reports but urges people to be cautious. Martinez says as another precaution, you should download antivirus and spyware apps and what’s called a VPN app, or "virtual private network." It will shield your financial apps from strangers trying to gain access. 1726

I knew the risks involved in performing CPR on someone that potentially has COVID but I made the choice to do so anyways. I spoke with the passengers wife about his medical history and she never mentioned he was positive, she said he was scheduled to have a test done in LA.— Face (@Face_withaQ) December 19, 2020 327

If you are looking to avoid being quarantined in Hawaii for up to 14 days due to COVID-19, United Airlines and Hawaii Airlines are looking to make it easier on you by offering same-day COVID-19 tests at the airports.On Thursday, United announced that beginning Oct. 15, passengers traveling from San Francisco to Hawaii can either take a rapid test at the San Francisco International Airport (SFO) or a self-collected, mail-in test ahead of their trip.If you opt for the self-collected test, you must submit your sample within 72 hours of travel via overnight mail or an airport dropbox, United said."Our new COVID testing program is another way we are helping customers meet their destinations' entry requirements, safely and conveniently," said Toby Enqvist, Chief Customer Officer at United in the press release. "We'll look to quickly expand customer testing to other destinations and U.S. airports later this year to complement our state-of-the-art cleaning and safety measures that include a mandatory mask policy, antimicrobial and electrostatic spraying and our hospital-grade HEPA air filtration systems."On Friday, Hawaii Airlines announced that passengers traveling to Hawaii from Los Angeles (LAX) or the Bay Area would be able to use drive-through services at Worksite Labs locations near LAX and SFO."As Hawai'i's leading airline, it is critical to ensure that access to testing does not impede travel to Hawai'i, for visitors or our kama‘āina (residents)," said Avi Mannis, senior vice president of marketing at Hawaiian Airlines in a press release. "Our testing option will offer Los Angeles and Bay Area travelers superior value, and we look forward to expanding the program and bringing additional choices to more of our gateway cities as we welcome guests back with our industry-leading Hawaiian hospitality while keeping our community safe. We're grateful to the state of Hawai'i for its partnership in developing the pre-travel testing program."You have the option to pay either for results within 36 hours or 0 for same-day results, the airliner said. The company said the Droplet Digital PCR shallow nasal swab tests do meet Hawaii's testing requirements. 2193

In an interview with Fox News on Thursday, Donald Trump Jr. stated he "went through the CDC data" and claimed the number of deaths caused by COVID was declining to "almost nothing.""Why aren't they talking about deaths? Oh, oh, because the number is almost nothing. Because we've gotten control of this thing. We understand how it works," Trump Jr. said on “The Ingraham Angle.”Per Johns Hopkins, 90,728 new cases were reported in the U.S., and at least 1,004 Americans died on Thursday.According to the Centers for Disease Control and Prevention, their recent data is “provisional" and often behind data gathered by counties and other sources.The CDC also updated its forecast of virus deaths stating "an uncertain trend in new COVID-19 deaths reported over the next four weeks and predicts that 3,900 to 10,000 new deaths will likely be reported during the week ending November 21, 2020.” 898

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