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If you’re a fan of tequila and cheap drinks, Applebee’s is offering a deal you can take advantage of all-August-long!Through the end of August, Applebee’s is serving up strawberry margaritas (or, more appropriately nicknamed “Strawberry Dollaritas”). To put into perspective, their all-day-long special is less than the price of a soda! The drinks are served in a frosty 10-ounce mug on the rocks with tequila, strawberry and margarita mix — the perfect combination to cool down during the sweltering hot summer.Operating hours and participating locations may vary so before heading out to your favorite Applebee’s location, the company suggest reaching out and making sure they offer the deal. 710
In a scene that could be straight out of a children's book, around a ton of liquid chocolate flowed out of a factory and caked a street in a west German town on Monday.Firefighters said a storage tank overflowed at DreiMeister's chocolate factory in West?nnen, a suburb of the town of Werl, running out of the gates and solidifying on the chilly sidewalk."About a ton of chocolate ran out into the yard and from there onto the street, " a spokesman for the Werl fire brigade said in a statement. "A ten-square-meter choco-pancake formed," the statement added.Firefighters then worked to remove the chocolate, prying the "sweet danger with shovels and muscle power," the brigade wrote.DreiMeister's boss Markus Luckey told German newspaper Soester Anzeiger that if the spill happened closer to Christmas it "would have been a disaster."Luckey added that the factory would be back in action on Wednesday.According to the paper, around 25 firefighters were on scene to help with the clean-up.A specialist company was brought in to assist after the incident and the brigade assured locals that a chocolate-free Christmas would not be "imminent in Werl."The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 1253

In a move surely intended to put Washington on notice China's military has put on a show of force in the South China Sea, new satellite images show, with drills at sea and in the air to reinforce its claims in the contested region.Analysts said the images, provided by Planet Labs Inc and date-stamped March 26, showed China's only operational aircraft carrier, the Liaoning, accompanied by dozens of other vessels in the South China Sea, just south of the Chinese island province of Hainan.While the aircraft carrier has visited the South China Sea before, it was unusual to see such a large number of Chinese naval vessels training together in the area, Collin Koh, research fellow at the S. Rajaratnam School of International Studies' Maritime Security Program, told CNN."I would say this is the new normal and this will not be a one-off show of force," he said. 873
Hundreds of thousands of people braved wet and windy weather to attend Pope Francis' Mass at Phoenix Park in Dublin on Sunday, while thousands more gathered in the city center for protests against clerical sexual abuse amid fresh reports the Pontiff ignored allegations stretching back years."We ask forgiveness for the abuses in Ireland," said Pope Francis at the Mass, listing a litany of abuses including clerical sex crimes, a lack of compassion and action by church leaders and the separation of single mothers and children in industrial laundries."We ask forgiveness for all the times that we, as the church, did not provide survivors of any kind of abuse compassion, to look for justice, and the truth, and concrete actions, so we ask forgiveness," Pope Francis said at the Mass, which was expected to attract over 500,000 people and concludes his two-day visit to Ireland.The visit coincides with the World Meeting of Families, a gathering of the Catholic Church that was thrown into chaos last week by a Pennsylvania grand jury report detailing decades of sexual abuse and cover-ups by clerics. 1111
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
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