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Humanity's first visit to a star began this weekend. NASA's Parker Solar Probe will explore the sun's atmosphere in a mission that launched early Sunday. This is the agency's first mission to the sun and its outermost atmosphere, the corona.After being delayed on Saturday, the probe successfully launched at 3:31 a.m. ET Sunday from Cape Canaveral, Florida, on a United Launch Alliance Delta IV Heavy rocket, one of the world's most powerful rockets.Although the probe itself is about the size of a car, a powerful rocket is needed to escape Earth's orbit, change direction and reach the sun.The launch window was chosen because the probe will rely on Venus to help it achieve an orbit around the sun.Six weeks after launch, the probe will encounter Venus' gravity for the first time. It will be used to help slow the probe, like pulling on a handbrake, and orient the probe so it's on a path to the sun. 913

Hurricane Michael's trail of devastation now stretches from the Florida Panhandle, where it wiped out one coastal city and left others swimming in debris, to the Carolinas, where Michael weakened to tropical storm status but still triggered flash floods that turned roads into rivers.Six people are dead in the storm's path, and authorities fear the toll could climb higher as search-and-rescue efforts continue. The dead include four people in Florida, a child in Georgia and a man in North Carolina.PHOTOS: Hurricane Michael damageSo far, Coast Guard crews in Florida have rescued 40 people and assisted 232.Conditions remain precarious in hard hit areas, especially Mexico Beach, Florida, which Michael left in ruins. A councilwoman from there issued an urgent plea to anyone thinking of returning."Please don't come down," Linda Albrecht said. "The more people that return, it's just going to get in the way." 921

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

Hundreds rallied outside Paul Ryan's office in Milwaukee Monday for the Dream Act. Watch the Facebook live below: (KGTV) - After a successful fundraising campaign, a group of San Diego DACA recipients have made it to the nation’s capital to speak with lawmakers. 280

House Republican leaders on Thursday released details of reforms that would overhaul the U.S. tax code, cut individual income tax rates and remove a number of breaks and deductions in the name of making Americans’ tax bills simpler and smaller.Much political wrangling remains before the plan would become law; both houses of Congress must approve the bill, and President Donald Trump has to sign it. But were it to take effect in 2018, as Republicans would like, here’s how the tax plan could change things for you. 529