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The mayor of Austin, Texas, has apologized after reports revealed that he delivered an address urging his constituents to stay home to prevent the spread of COVID-19 while he was vacationing in Mexico."I regret this travel," Austin Mayor Steve Adler, a Democrat, said in a statement, according to The Austin American-Statesman. "My fear is that this travel, even having happened during a safer period, could be used by some as justification for risky behavior. In hindsight, and even though it violated no order, it set a bad example for which I apologize."According to the American-Statesman and KVUE-TV in Austin, Adler took the trip after he hosted a small outdoor wedding ceremony for his daughter in early November. Both outlets report that there were about 20 guests at the wedding — more than the recommended guidelines of a limit of 10 per gathering that was in effect at the time.Following the ceremony, KVUE reports that Adler and eight family members boarded a private jet and traveled to Cabo San Lucas for a resort vacation. One day into that trip, on Nov. 9, Adler urged Austinites to stay at home."We need to stay home if you can," Adler said in that video, according to the American-Stateman. "This is not the time to relax. We are going to be looking really closely. ... We may have to close things down if we are not careful."Adler told the American-Statesman that he consulted with public health officials before hosting the wedding and that all 20 guests were required to undergo rapid COVID-19 tests before attending. He also said that masks were distributed during the reception guests "probably" did not wear them for the duration of the reception.KVUE adds that some of the guests traveled by plane to attend the wedding, including the Seattle-based wedding photographer.Adler isn't the only politician who has failed to heed his own warnings against travel. Last week, Denver Mayor Michael Hancock, a Democrat, traveled by plane to Mississippi to celebrate Thanksgiving with his family, despite repeated requests to his constituents not to travel for the holiday. 2096

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 ongoing feud between the National Rifle Association and the medical community continues in wake of a shooting at a Chicago hospital Monday.A recent article published earlier this month by physicians called gun violence a public health crisis and called for tougher gun laws. In response, the NRA tweeted that doctors should “stay in their lane.”The NRA’s response received backlash, with doctors across the U.S. and abroad expressing their disdain using the hashtag #ThisisMyLane, often with graphic images giving a glimpse into emergency rooms after treating victims of gun violence.Monday, gun violence became personal for doctors and nurses at Mercy Hospital in Chicago after a shooter entered, killing an ER doctor, a pharmacy resident and a Chicago Police Officer.Now, another group of doctors are pushing back against the NRA. In an editorial published by the Annals of Internal Medicine, doctors say they won’t be silenced in using what they learn to better care for their patients.“The NRA does not believe firearm-related injury and its prevention is within the purview of physicians. We could not disagree more,” read the editorial in part.The NRA has accused doctors of pushing a gun control agenda. 1222

The Hubbard Avenue Diner just outside Madison, Wisconsin announced on their Facebook page that they will soon be serving 'Pie Tacos.'The restaurant, which was been working on the tacos for a while, will start selling them April 12th and will feature four flavors: Apple, Cherry, French Silk and Key Lime.All four versions of the taco will be baked in a pie crust shell and will be served in a traditional taco rack like you'd see at Bel Air Cantina in Milwaukee.Along with the fillings, the Apple Pie will be covered with a streusel topping, the Cherry will have a sugared "lattice" crust on top, the French Silk is topped with whipped cream and chocolate flakes, and the Key Lime is topped with whipped cream and lime zest.Fans of the restaurant certainly seem excited about the idea."Get one? Ha! Getting all four! Sounds delicious!" said Facebook commenter Kris Backes. 880

The latest data on opioid overdoses in Arizona are showing the highest number of deaths in 10 years.For many, the toughest decision is to find professional help. Thousands of recovering addicts in Southern Arizona are sharing the battle towards recovery.One of those is Robert Lyles, who remembers the moment he almost lost his life."I remember so well, the doctor and the paramedics yelling you're losing him, you're losing him," Lyles said.He said it is a moment he will never forget. Being rushed through the double doors at Northwest Hospital, he said, was the day God gave him a second chance to live."(The doctor) said, 'You had 30 days top, 45 you would have been dead for sure,'" he said.That was back in 2007, after being involved in a car crash and suffering a neck and foot injury. Lyles said his doctor prescribed Percocet and Ativan to treat the pain, the beginning of the end for him, Lyles stated. That's because one day his daily dose wasn't enough to end the pain."I'll take another Percocet, and when I did, I liked the feeling and from that point forward, I started increasing my drug intake," he added.After that, the rest of the year became a blur, he said. His life began closing down on him, divorcing his wife, and losing communication with his only son. Until a serious conversation with his doctor convinced him to seek professional help: "He told me you need to go back and listen to them and so I did," he explained.Ever since, Lyler said he has been the best student at Sierra Tucson, where he has been focusing on his recovery, and most importantly staying clean for nearly 10 years.He also wants to make sure other patients find the courage to recover. He hopes to pass along a very important message, "take care of yourself first and the world around you will change," he said. 1857

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