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The Postal Service says it is facing “historic volumes” going into its busiest shipping week of the year. While Tuesday marks the final day the Post Office recommends shipping packages via ground in time for Christmas, the USPS says there are still a number of options for customers hoping to get their packages to loved ones by Dec. 25.In an effort to assist customers, the USPS says it is enacting a number of measures in hopes of ensuring timely deliveries.Those measures include:Expanded holiday retail hours in select locationsExpanded package delivery window — delivery in morning, afternoon, and early evening where volume warrantsExpanded operational capacity with new equipmentLease extra vehicles as needed to expedite deliveriesFor customers in the continental US, the USPS recommends the following mailing and shipping deadlines for expected delivery by Dec. 25 to most US addresses.Dec. 15 — USPS Retail Ground serviceDec. 18 — APO/FPO/DPO (except ZIP Code 093) USPS Priority Mail Express serviceDec. 18 — First-Class Mail service (including greeting cards)Dec. 18 — First-class packages (up to 15.99 ounces)Dec. 19 — Priority Mail serviceDec. 23 — Priority Mail Express serviceUSPS notes that only the Priority Mail Express service is a guarantee, and the other deadlines are merely recommendations. “We thank our customers for their continued support, and we are committed to making sure gifts and cards are delivered on time to celebrate the holidays,” said Kristin Seaver, Chief Retail and Delivery Officer of the Postal Service. “We also thank our 644,000 employees who are working tirelessly throughout these unique conditions to ensure the delivery of holiday gifts and greetings."Heading into the holidays, USPS service reported significant slowdowns. For the months of July, August and September, USPS reported single-piece first-class mail fell below its annual benchmarks, and past performance. During the quarter, three-to-five day on-time service dropped from 87.8% in 2019 to 72.1% in 2020. Its two-day on-time service dropped from 94% to 88.2% from 2019 to 2020. 2099

The nationwide group behind the Women's March is organizing a national school walkout following Florida's high school shooting.The group is calling for students, teachers and parents to take part in walking out of school for 17 minutes - a nod to the 17 lives lost in the Feb. 14 shooting - to "protest Congress' inaction to do more than tweet thoughts and prayers in response to gun violence.""Enough: National School Walkout" is being scheduled for 10 a.m. local time across the U.S. on March 14.Organizers posted the event to Facebook with a message, reading in part:"We need action. Students and allies are organizing the national school walkout to demand Congress pass legislation to keep us safe from gun violence at our schools, on our streets and in our homes and places of worship." 804

The Pentagon has sent more than 300,000 pounds of Thanksgiving food to US military troops stationed overseas and at the US southern border, the Defense Logistics Agency announced Tuesday.The shipments, which include 9,738 whole turkeys and 67,860 pounds of shrimp, were sent to dining facilities throughout the Middle East, Europe, Africa as well as field kitchens in Texas and Arizona."Many of America's military men and women are away from home this Thanksgiving, making sacrifices to secure our freedom and to protect our southern border," Army Brig. Gen. Mark Simerly said. "The DLA Troop Support staff and I are excited about this amazing opportunity to provide them the very best Thanksgiving meal our country has to offer."Among the staggering amounts of food the DLA is shipping are 74,036 pounds of beef, 21,758 pounds of ham and 7,836 gallons of eggnog.Logistics planning to feed troops on Thanksgiving begins in May, according to Deputy Director of DLA Troop Support Rich Faso."The Troop Support Subsistence team is a dedicated group of employees who take pride in ensuring that deployed service members can experience an enjoyable holiday meal each Thanksgiving," he said.President Donald Trump hailed the troops at the southern border as "tough people" during a press gaggle Tuesday when asked about their work on Thanksgiving."Oh, don't worry about the Thanksgiving," he said. "These are tough people, they know what they're doing and they're great and they've done a great job.""You're so worried about the Thanksgiving holiday for them. They are so proud to be representing our country on the border," he continued.In October, Trump assigned nearly 6,000 troops to the US-Mexico border to deal with a migrant caravan heading toward the US through Mexico. Many in the group reportedly plan to follow legal procedures and seek asylum. 1866

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 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

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