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If we're sick, we don't think twice about seeing a doctor. Health experts say we need to start looking at obesity the same way. One woman has turned her life around. And as she's lost weight, she's gained so much more."We're grazers," Marcie Weiler recalls. "I was brought up just (hands to mouth motion) mindlessly. Totally mindlessly just pop it in."That's how Weiler grew up thinking about food. And after a few serious injuries?"My coping mechanism was soda pop and food of course," Weiler says.At her heaviest, she weighed 300 pounds."I just thought, 'Oh my God, I'm going to keep getting bigger,'" Weiler saysShe's not alone. Obesity rates in the United States are at all time high. 40 percent of all Americans are considered obese and 20 percent morbidly obese."It affects cardiovascular health," says Dr. John Weaver, a general and bariatric surgeon with Presbyterian / St. Luke's Medical Center. "It affects you know pulmonary health and diabetes it affects joint pain and problems."Dr. Weaver says the effects can be serious, and potentially deadly. A new study found improvements in mortality rates are slowing, obesity is the main cause, and many people look the other way."Only 20 to 30 percent of people who are obese had even talked to their doctor about their obesity," Dr. Weaver says. "And the problems that go along with being obese."Dr. Weaver says it is possible to be overweight and healthy, but your body mass index can let you know for sure. And once you've figured that out, beating obesity isn't just about cutting calories and working out. There's a new understanding that the biggest challenge, is revamping your lifestyle."It's an entire body change," Dr. Weaver says. "It's not just an eating habit it's changing your eating habits but it's changing how you perceive food. And everything that goes along with food."That's what Weiler has done. Along with bariatric surgery, she has lost more than 100 pounds. But that's not the only thing that's changed."My general opinion of myself," Weiler says.Reversing a trend, for a healthier and potentially longer life. 2099
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
ICYMI: The 2020 @ArmyNavyGame, presented by @USAA, will return to West Point for the first time since 1943.?? https://t.co/mdSCEyVfXc#GoArmy | #BeatNavy | #ArmyNavy pic.twitter.com/7405S9SIDG— Army Football (@ArmyWP_Football) October 23, 2020 250
If you’re feeling cabin fever lately but still aren’t ready to jump on an airplane, you might be inclined to opt for an RV road trip this fall or winter.In a lot of ways, recreational vehicles mitigate a number of travel risks, like potentially sitting for hours in a metal tube near a sick passenger or walking through hallways and sharing elevators with other hotel guests. You reduce exposure to potential germs lingering in a room, and you’ll likely be able to skip restaurants in favor of cooking on your own with regularity.RV rental company Cruise America said in an email that such concerns have led to a 50% year-over-year increase in first-time RV renters between April and August 2020. In fact, one-third of leisure travelers say a road trip will be their reentry point into travel once it’s safe to do so, according to Kampgrounds of America’s 2020 North American Camping Report.But with so many novice RV renters comes a lot of new realizations. A spokesperson for Cruise America told us the company’s experienced a 30%-40% year-over-year increase in time spent on the phone with customers to answer questions, adding that some customers are uncertain about how to drive their vehicles and how to use campgrounds.And some first-time RV renters are realizing that RV road trips aren’t automatically a safer bet than a more traditional vacation. Here are seven RV safety concerns you should be aware of before booking your first RV rental.1. Rented RVs might not be as clean as you thinkWhile renting an RV can avoid some of the hygiene challenges that hotels present, RVs come with their own sets of high-touch areas including the steering wheel, seat belts, tables, microwaves and doorknobs.Some RV rental companies have instituted stricter cleaning procedures because of the coronavirus. Cruise America says it sanitizes every vehicle after it’s returned to a level that it claims exceeds Centers for Disease Control and Prevention guidelines for disinfecting nonemergency transport vehicles. But a cleaner RV rental isn’t necessarily a guarantee, particularly if you’re renting directly from a private owner.Nerd tip: No matter where you stay, conduct your own cleaning to your level of comfort, whether it’s wiping down surfaces with your own disinfectant, or going all out with your own mop and bleach.The alternative: A hotel (it might be cleaner). A number of major hotel chains have pledged to increase cleaning procedures and add safety requirements, such as mandatory face coverings for employees and guests. We rated the major hotel chains based on how well they have handled COVID-19, and Hilton, Hyatt and Marriott snagged the top three spots. Hilton even partnered with Lysol-maker RB to publicly pledge enhanced sanitation measures, including extra disinfection of frequently touched guest room areas like light switches, thermostats and TV remotes.2. Uncertain weather and natural disaster could complicate your travelsBetween lightning strikes causing the biggest fires in recorded California history to the U.S. witnessing a record number of landfalls for any hurricane season, 2020 has already been a wild year for weather. Some experts expect that things could still get worse.Research led by Stanford environmental scientist Michael Goss suggests that autumn coincides with extreme fire danger, exacerbated by increases in temperature and decreases in precipitation over the past four decades. Meanwhile, hurricane season doesn’t end until Nov. 30, according to the National Oceanic and Atmospheric Administration.“This year, we expect more, stronger, and longer-lived storms than average,” said Gerry Bell, who has a doctorate in atmospheric sciences from the State University of New York at Albany and is the lead seasonal hurricane forecaster at NOAA’s Climate Prediction Center, in a statement.Aside from dangers of driving in the midst of a natural disaster, severe weather might mean some campgrounds are temporarily closed, as was the case at Yosemite National Park during the California wildfires.3. Driving comes with accident risksIn the five-year span from 2014 through 2018, U.S. air carriers experienced one fatality, according to Bureau of Transportation Statistics data. For 2018 alone, that’s a fatality rate of 0.012 fatalities per 100 million miles traveled.Meanwhile, 36,560 deaths occurred in 2018 alone due to motor vehicle crashes — a fatality rate of 1.13 deaths per 100 million miles, more than 93 times the airline fatalities in the same year.RVs come with their own challenges that traditional cars typically don’t have, including risk of accident from overloaded or unevenly loaded RVs, increased rollover risk due to a higher center of gravity and larger blindspots.To reduce your risk, use basic common sense while driving an RV:Travel during daylight hours. According to 2016 National Highway Traffic Safety Administration data, 68% more fatal accidents occurred between the hours of 3 p.m. and midnight versus between 3 a.m. and noon.Don’t make hasty driving decisions. If you realize that the exit is approaching but you’re still in the far lane, don’t try to quickly change lanes; just wait for the next exit and backtrack. You might end up five minutes behind schedule, but the whole point of a road trip vacation is to slow down and relax anyway.Take wider corners. Your overswing (the distance that your vehicle swings out when making a sharp turn) is likely much greater in an RV than the car or truck you are used to driving. Pay attention to your overswing and take wider corners while driving to avoid hitting curbs or fire hydrants.Drive slower than you usually would and keep wider distances between cars. RVs brake slower than most cars, so watch for brake lights in front of you, prepare to stop well in advance and take it slow to begin with.“It should never be a case of ‘go big or go home,’” says Geneva Long, CEO of luxury travel trailer-maker Bowlus Road Chief. “Anything over 26 feet or 4,500 pounds will severely restrict your ability to drive, park, enjoy national parks or camp. You don’t want to hate the experience, and it’s almost a guarantee you otherwise will once you add in high winds, poor driving conditions, heavy traffic and limited camping locations due to your oversize.”Nerd tip: Opt for a smaller RV if you’re an RV newbie.4. Shared bathrooms and showers could facilitate the spread of germsIf your RV doesn’t have its own shower or bathroom, you might find yourself resorting to shared facilities at a campground — yet some experts warn against using public bathrooms to prevent against COVID-19 spread. Studies have found that infectious aerosols can spread viruses through faulty plumbing and ventilation systems in public bathrooms.The alternative: Bring your own portable toilet and shower. Depending on where you’re camping, you might be able to go in the woods (skip this option if you’re in a campground near other people or near a body of water). Otherwise, consider your own travel toilet and camping shower.5. You’ll likely still encounter staff and campers at RV campgroundsYou might have opted for a road trip to avoid people. But if you’re staying at an RV campground, you’ll probably find yourself interacting with campground staff at the check-in office, and there may be other campers too.Michelle Fishburne, a writer who travels in an RV as part of a project profiling ordinary Americans, says she’s found herself in a campground office on more than one occasion where other guests or staff didn’t have face coverings on.“When I am in my RV, I feel very safe, of course, because it’s my own self-contained unit,” she says. “My only concern arises when I have to go into the campground office, and people are not wearing masks and standing way too close to each other.”The alternative: Consider a vacation rental. If the thought of interacting with an unmasked employee or guest makes you uncomfortable, a vacation rental or Airbnb might be your best bet. While some rental homes or Airbnbs require you to still meet with the host at check-in, many don’t (instead typically allowing you to gain access to the home through a lockbox or keypad). If booking through Airbnb, use the “self check-in” filter to ensure you don’t have to interact with a human when you arrive.Nerd tip: Book a campground with curbside check-in. Fishburne suggests seeking out campgrounds that offer curbside check-in to avoid going into an office. But even Fishburne cautions it isn’t perfect. One campground she visited in Virginia offered curbside check-in, but the employee wasn’t wearing a mask.6. Maintenance issues become your responsibilitySure, it’s annoying when you’re sitting on the tarmac and your flight won’t take off because a door won’t close. But aside from a potential delay, you don’t have to worry about a thing besides when the snacks will finally arrive.With an RV, you’re on the hook for any and all maintenance issues.“Always check tire pressures and be aware of gas mileage before you set out, so you are not stuck somewhere in 107-degree heat,” Long says.And maintenance isn’t just limited to how the vehicle operates while driving; it encompasses living spaces too. If a hotel has a power outage, the front desk can probably help you deal with it. If your RV has a power outage, hopefully you’re familiar with the RV’s electrical lines. Before taking off on an RV road trip, familiarize yourself with the RV’s sewer lines and control panel — and read the user manual.7. You might make a lot more gas station stopsCruise America says on average its rentals get around 6-10 miles per gallon, which means you might find yourself at the gas station a lot more than usual.While touching a gas pump isn’t necessarily any riskier than touching other public objects like door handles, that’s still a few extra stops that you wouldn’t need to make if you opted to remain stationary once arriving at your vacation destination.When pumping gas, the CDC recommends using disinfecting wipes on handles and buttons before you touch them. And after fueling, the CDC recommends using a hand sanitizer with at least 60% alcohol and then washing your hands with soap and water once you’re near a sink.The bottom line on RV safetyThis year, an RV road trip can reduce a number of risks that you might be concerned about on a more traditional vacation where you’d fly on an airplane to stay at a hotel. But you shouldn’t automatically assume an RV is safer overall.Traveling in an RV has plenty of benefits. You might find your RV road trip turns out to be cheaper than your usual vacation. Head somewhere like a national park and you’ll likely end up spending more time outdoors, which the CDC says improves overall health and wellness thanks to increased opportunities for physical activity, along with promoting mental health and stress reduction.But all travel comes with some level of risk, and RVs aren’t necessarily exempt.More From NerdWalletCoronavirus Scrambles Hotel Breakfast Buffets for the BetterWhat Will Holiday Travel Be Like?6 Items to Add to Your Packing List for COVID-Era TravelSally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 11197
HOUSTON (AP) — A federal judge has ordered the release of children held with their parents in U.S. immigration jails and denounced the Trump administration’s prolonged detention of families during the coronavirus pandemic. U.S. District Judge Dolly Gee’s order Friday applies to children at three family detention centers in Texas and Pennsylvania operated by U.S. Immigration and Customs Enforcement. Some have been detained since last year. Citing the recent spread of the virus in two of the three facilities, Gee set a deadline of July 17 for children to either be released with their parents or sent to family sponsors. 632