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Idaho Fish and Game Commissioner Blake Fischer has resigned after giving an account of a hunting trip to Africa.In the middle of September, Fischer sent an email to more than 100 friends and colleagues recapping his recent hunting trip to Namibia.Along with the email, obtained by CNN, Fischer attached 12 pictures of himself and his wife standing over various kills: an oryx, a giraffe, a waterbuck, a leopard and, perhaps most notably, a group of four dead baboons.He boasted about using the baboon kills to introduce his wife to African game hunting. 561

In an old traditional historic church building sits a seemingly nontraditional religion."We don’t pretend that we’ve invented something new; we just gave it a title and a safe place for people to use cannabis in their spiritual journeys to come here, and worship, and pray,” said co-founder Steve Berke. “We don’t tell them who to pray to. It’s really an open-minded spiritual community."Their religion is Elevationism. Berke says it's about elevating one's self to the best version of self."While we do believe that cannabis can help you on your way to your spiritual journey, it’s also okay if you don’t use cannabis," said Berke.He says they have people all over the world come to their church. People of all political views, races, and even other religious beliefs have joined their congregation."Elevationism is not a replacement to your existing faith. It’s more of a supplement to it. You can be a Christian and an Elevationist. You can be Jewish and an Elevationist. You can be a Buddhist and an Elevationist," said Berke.Before COVID-19, like any other church, they would hold a Sunday service in their sanctuary with speakers, music, and lessons to take away. But unlike a traditional church, the consumption of cannabis was allowed."We certainly encourage people to try cannabis, and if it doesn’t work for you, that’s OK. You don’t have to use cannabis. We don’t tell you when to use it. We don’t tell you how much to use it," said Berke.Since the pandemic, they’ve had to stop the Sunday service but have continued with their daily BEYOND, a guided meditation paired with a light show. It’s family-friendly, no consumption allowed, and open to the public."Everybody takes something different from the meditation and that’s the goal. The goal is some people will take one quote of that mediation and apply it to their lives," said Berke.And just like any other church, Berke says they give back to their community."We’ve led by example. We’ve volunteered picking up trash in the neighborhood, volunteering at animal shelters, feeding the homeless. We do all of the things that a normal church does without preaching a dogma inside our church," said Berke.For now, they have one location in Denver but plan to expand to Los Angeles next year. They're also working on more guided meditations."We’ll have BEYOND Happiness, BEYOND love, BEYOND doubt, so all these different themes encouraging people to think and question existing establishment thought and really encourage their spiritual paths and journeys," explained Berke.Berke says the one golden rule of their ministry is similar to other traditional religions: treat others the way you want to be treated."We’re all one human race. We may have different beliefs. We may believe in different gods, but that’s okay, right? Because we’re all spiritual and we all ultimately want this world to be a better place for the next generations," said Berke. 2920

In a survey of 1,000 small business owners conducted by the US Chamber of Commerce, 57% ranked the economy as the first or second most important issue influencing their vote in the 2020 Election. With 30.2 million small businesses in the US, according to 2018 US figures, these voters make up a significant chunk of the electorate. “Small businesses provide so much to our economy,” Pete Mikulin, CEO of 3R Technology Solutions said. The company focuses on electronics recycling and data destruction.“We’re fortunate in that we’re OK. We’re just OK,” he said. The pandemic hit businesses hard like Mikulin's hard. “It wouldn’t take much right now to ruin, completely destroy the small business landscape.”Many are not sure what the future holds.“Your plans go out the window,” Mikulin said. “So you deal with it everyday, day by day, and it’s survival.”“It feels like we’re alone. It feels like there's no one in our corner as a small business owner,” he added.“There’s concern of the small businesses that not enough attention is being paid to them in Washington, that Washington is looking at some of the bigger items in the election and they’re forgetting about the fact that small businesses is the major driver of our economy,” Mac Clouse, business expert for over 40 years and professor at University of Denver, said.“The stock market is a general indicator of what's going on with stock prices, and stock prices are usually reflective of your larger firms, firms that are publicly traded,” he said. “That really doesn't measure what's happening with the mom and pop businesses, the small businesses. The only way we know how they’re doing is to ask them.”Of those surveyed, 78% said the economy was “average," “somewhat average," or “very poor” in August.“When you have people saying the stock market is doing great but 78% of business owners are saying the opposite, clearly there's a breakdown, not in what's being discussed, but what is meaningfully being discussed and taken action on,” Carlin Walsh, Owner and CEO of Elevation Beer Company, said. His business was impacted by shutdowns and restrictions.“Total, our revenue was cut 60% for what we normally would be,” he said. “I am not comfortable with what the next three to four months brings, so because of that, we've been putting more money than usual into savings.”Without the same safety net some of the larger companies have, small businesses are taking things day by day.“For them, what’s important is what’s going to happen in the next three to six months,” Clouse said.Many are waiting to see if they’ll see any help from the government. Surveys from the U.S. Chamber of Commerce show a majority of small business owners are more interested in the 2020 election compared to 2016.“We need our elected leaders to come together and provide targeted relief to the industries of small businesses that have been most deeply impacted, and that doesn't necessarily mean financial help although that's required as well,” Mikulin said. “All we’d like to do is keep our doors open and people employed. That’s it. That’s all.” 3095

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

I am heartbroken to hear of the passing of Dr. Rebecca Shadowen, a front line hero who worked tirelessly to protect the lives of others. Our thoughts and prayers are with her family, friends and colleagues.https://t.co/sAPptGy0lJ— Governor Andy Beshear (@GovAndyBeshear) September 12, 2020 297

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