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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

If the fans want it, Heinz is ready to roll out a brand new product, "Mayochup," a mixture of their classic tomato ketchup and their new mayonnaise.Heinz posted a poll on their Twitter page where fans will have three days to vote for or against the potential product. If Mayochup gets 500,000 yes votes, it will be available in stores. 343

I will be leaving the great Walter Reed Medical Center today at 6:30 P.M. Feeling really good! Don’t be afraid of Covid. Don’t let it dominate your life. We have developed, under the Trump Administration, some really great drugs & knowledge. I feel better than I did 20 years ago!— Donald J. Trump (@realDonaldTrump) October 5, 2020 344

House lawmakers on Wednesday overwhelmingly passed legislation expanding veterans' access to private care at taxpayer expense, a campaign promise of President Donald Trump, and adding more money to the "Choice program" weeks before VA officials said it could run out of money.The billion plan that passed 347-70 Wednesday includes .2 billion for the VA Choice program that funds private care. VA officials have warned that the program could run out of money as early as the end of the month, disrupting care for patients.Hours before the House vote, Trump weighed in, urging lawmakers to back the bill."House votes today on Choice/MISSION Act," Trump tweeted on Wednesday. "Who will stand with our Great Vets, caregivers, and Veterans Service Organizations? Must get Choice passed by Memorial Day!"A similar plan almost became law as part of the omnibus spending bill in March, but was blocked by some Democrats concerned about privatization of services for the nation's veterans.There has been a long simmering debate about the extent to which veterans obtain care in the private sector. Many veterans groups say they don't want to see too many resources shifted outside the VA, a move they say would fundamentally bleed the health system dry.The legislation is moving forward in Congress as the sprawling agency remains without a permanent leader after Trump ousted former Secretary David Shulkin and the nomination of Rear Adm. Ronny Jackson, the White House physician, unraveled amid allegations about his professional conduct.It would also launch a review of VA facilities with an eye toward closing under-performing institutions and would expand a VA caregivers program to cover the families of pre-9/11 veterans. 1733

In a move to advance high-quality enterprise journalism, the Scripps Howard Foundation today announced a million investment into the creation of two centers for investigative journalism.Arizona State University and the University of Maryland will each receive million over three years from the Scripps Howard Foundation to establish a Howard Center for Investigative Journalism at their institutions.The Howard Centers will be multidisciplinary, graduate-level programs focused on training the next generation of reporters through hands-on investigative journalism projects. The Howard Centers’ students will work with news organizations across the country to report stories of national or international importance to the public.The Howard Centers honor the legacy of Roy W. Howard, former chairman of the Scripps-Howard newspaper chain and a pioneering news reporter.“Roy Howard was an entrepreneur whose relentless pursuit of news took him around the world, sourcing his education directly from the lessons of the newsroom,” said Liz Carter, president and CEO of the Scripps Howard Foundation. “That same pursuit led us to establish the Howard Centers – bridging the classroom and the newsroom to ensure tomorrow’s journalists are prepared with the mastery of dogged reporting they need in a world that increasingly demands it.”Arizona State and the University of Maryland were selected as locations for the Howard Centers based on proposals submitted in a competitive process. Both universities have journalism programs that feature a rigorous curriculum and hands-on training for student journalists.“The Centers are envisioned as innovative educational programs,” said Battinto Batts, director of the journalism fund for the Scripps Howard Foundation. “Both Arizona State University and the University of Maryland are well-positioned to challenge their students to become ethical, entrepreneurial and courageous investigative journalists.”The Howard Centers will recruit graduate students and faculty of diverse academic and professional backgrounds. Students attending a Howard Center will be introduced to topics including new media, data mining and the history and ethics of investigative journalism.In addition to the emphasis on multidisciplinary studies within their own curriculum, the Howard Centers also will collaborate on investigative projects to deliver high-impact content to news consumers.“The Howard Centers will create a new cadre of great investigative journalists – steeped in the values and vision of the Scripps Howard Foundation – while generating impactful national investigations on some of the most important challenges facing our country today,” said Christopher Callahan, dean of the Walter Cronkite School of Journalism and Mass Communication, vice provost of ASU and CEO of Arizona PBS. “We are honored to be selected for this critically important initiative and to preserve and celebrate the extraordinary legacy of Roy W. Howard.”“Investigative journalists shine a light on our society’s problems and protect democracy by holding the powerful accountable,” said Lucy A. Dalglish, dean of the University of Maryland Philip Merrill College of Journalism. “The Howard Center at Merrill College will provide an unmatched opportunity for our students to learn to tell important stories in innovative ways, preparing them to become outstanding professional journalists.”The Howard Centers will launch national searches for directors this fall and will open programming to graduate-level students in 2019.About The Scripps Howard FoundationThe Scripps Howard Foundation supports philanthropic causes important to The E.W. Scripps Company (NASDAQ: SSP) and the communities it serves, with a special emphasis on excellence in journalism. At the crossroads of the classroom and the newsroom, the Foundation is a leader in supporting journalism education, scholarships, internships, minority recruitment and development, literacy and First Amendment causes. The Scripps Howard Awards stand as one of the industry’s top honors for outstanding journalism. The Foundation improves lives and helps build thriving communities. It partners with Scripps brands to create awareness of local issues and supports impactful organizations to drive solutions. 4311

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