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The IRS announced this week it has extended the deadline for those who did not file a tax return the last two years to request a ,200 stimulus check. The deadline, which was previously slated for October 15, will now be on November 21.The economic stimulus checks, which millions of Americans received during the spring and early summer, is for most American adults earning less than ,000 a year. The IRS paid the checks out to those who either file an annual tax return or receive government benefits. American adults who are not considered a dependent, such as young adults living at home, and do not file a tax return are required to submit a form to the IRS. The form is available on the IRS’ website."We took this step to provide more time for those who have not yet received a payment to register to get their money, including those in low-income and underserved communities," said IRS Commissioner Chuck Rettig. "The IRS is deeply involved in processing and programming that overlaps filing seasons. Any further extension beyond November would adversely impact our work on the 2020 and 2021 filing seasons. The Non-Filers portal has been available since the spring and has been used successfully by many millions of Americans."As a reminder, here is who is eligible for a stimulus check:,400 – Couples earning less than 0,000 a year (couples earning 0,000 - 8,000 will receive a prorated check).,200 – Individuals earning less than ,000 a year (individuals earning ,000 - ,000 will receive a prorated check).,200 – Heads of households earning less than 2,500 (heads of households earning 2,500 - 6,000 will receive a prorated check).0 - Each dependent child age 16 or under as of Dec. 31, 2019 (for qualifying individuals and couples). 1791

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 League of Conservation Voters, an organization that has spent the last two years fighting President Donald Trump's environmental agenda, plans to spend more than million in helping Democrats' effort to take back the House in 2018, according to a memo from the group's top political operative.The planned spending through the group's political action committee, reported first by CNN, represents the largest commitment the group has ever made on House races. It will focus on competitive districts seen both as winnable by Democratic leaders and open to a pro-environmental message by the group.The spending is different from most outside group involvement in the 2018 midterm elections: While Democrats have been pouring money into competitive House races as a way to deliver a powerful message to Trump in November, group operatives tell CNN their messaging will focus primarily on hyper-local environmental issues that have been exacerbated by the President as a way to show environmental messaging still resonates with a host of voters, including suburbanites, Republican-leaning women and older Latino voters. 1129

The look on Seth Dixon’s face as he proposed to his girlfriend said it all, but not in the way you might think.According to a?post on wedding photographer Staci Dabney’s Facebook page, Dixon had taken his girlfriend, Ruth Salas, to Loose Park to ask her one of the most important questions in both of their lives."We've been dating for almost four years and we knew this day was coming," he explained. The setting was as picturesque as it gets. Imagine a beautiful wooden bridge stretching over a pond with gorgeous fall weather and lush greenery creating a dreamy background."I knew I wanted to propose (at Loose Park) just because it's kind of our spot," Dixon explained. "We just kind of fell in love with the park and the beauty of it."Of course, cameras were rolling as Dixon fell to his knee."Next thing you know, it's happening. I couldn't believe it," Salas explained. "At first, I was like, 'Oh my goodness. This is happening. He's on one knee.'" Excitement was written all over his and Salas’ faces, but their expressions soon turned to looks of horror.Dixon opened the little black box to reveal the ring… just before it flipped out of his hands, through a tiny crack in the boards of the bridge, and into that pond below."It ping-ponged through the crack and I hear it plop in the water," Salas said. "I didn't know what else to think but, 'Oh my goodness.'" ??????Friends of the couple got to work to try to find the ring, donning goggles and other swimming gear to search the neck-deep water for the lost band.Maddie Villareal, a longtime friend of Dixon, was one of the people who helped in the search."The bottom was the worst part because it was like slimy, muddy and there were sticks everywhere," she explained. "I know (finding the ring) was important to them. If it was me, I would hope they would do it for me."They sadly were not able to find it, so instead set up a GoFundMe page to help the couple purchase a new one.Amazingly, the couple now maintains a positive spirit following the incident."It's been a roller coaster. Emotions have been up and down," Dixon said. "After seeing the video over and over we just started laughing about it." Moving forward, the couple said the ring incident would add to the story of their relationship."We've been together for four years with ups and downs," Salas explained. "I'm not leaving him because of a lost ring." Dixon and Salas are set to tie the knot in October 2520

The Polk County (Fla.) Sheriff's Office has arrested a substitute teacher at Westwood Middle School after he reportedly grabbed a 12-year-old boy around the neck and pushed him against a wall. Robert Knight, 39, an employee of Kelly Educational Staffing, has been charged with negligent child abuse without bodily harm. The incident occurred on April 12 at Westwood Middle School in Winter Haven. Deputies responded to a call in reference to a child abuse investigation. A student told deputies he was choked by the P.E. coach, Robert Knight, on Wednesday, April 11. The student told deputies that he and Knight were "smack talking" when Knight took his shirt off and challenged the student to a fight, according to the arrest affidavit. The student said he didn't want to fight a "thirty year old man." Knight then wrapped his hand around the student's neck and pushed him against the wall while other students grabbed Knight's arm and attempted to separate him from the student, according to the affidavit. While he was being interviewed, Knight told deputies "I guess I finally let it get to me," referencing the smack talking with the student. He told deputies he "lost his cool" and doesn't know if he blacked out during the incident but that all he remembers were the kids pulling him off of the student. Knight is not employed by the Polk County School Board, but is employed by Kelly Educational Staffing as a substitute teacher. He was filling in for the male P.E. coach on Wednesday, April 11. Knight was taken into custody and transported to the Polk County Jail without incident."We expect much better conduct from a substitute school teacher. We compliment the school district staff who worked hand-in-hand with us to hold Mr. Knight accountable for his conduct" said Polk County Sheriff Grady Judd. 1855