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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 you’re looking for the best place to live, odds are Colorado is a good place to start.On Tuesday, US News and World Report released its annual list of the best places to live in the US, and four of the top five cities are in Colorado.Topping the list is Boulder, Colorado, followed by Denver at No. 2. The only non-Colorado city in the top five was Austin, Texas, at No. 3. Colorado Springs and Fort Collins rounded out the rest of the top 5. US News and World Report used the job market, housing affordability, quality of life, desirability, net migration ratings, surveys, crime data and school quality to determine its ranking."At the top of this year's Best Places to Live rankings, we see a combination of metro areas that can appeal to people looking for city living or more of a small-town atmosphere, but all offer a balance between cost and quality of living," Devon Thorsby, real estate editor at U.S. News, said.Here is the top 10 list:1. Boulder, CO2. Denver, CO3. Austin, TX4. Colorado Springs, CO5. Fort Collins, CO6. Charlotte, NC7. Des Moines, IA8. Fayetteville, AR9. Portland, OR10. San Francisco, CATo see the full rankings, click here.As for those looking to retire, it probably comes as no surprise, but Florida dominates the list of best cities to retire. The top four cities to retire are all in Florida, led by Sarasota followed by Fort Myers."Moving to a new place for retirement can reduce your cost of living and improve your quality of life," said Emily Brandon, U.S. News senior editor for retirement. "The Best Places to Retire includes information about housing costs, access to quality hospitals and the strength of the job market, which can help you find a retirement spot that will meet your needs."Here is the top 10 list:1. Sarasota, FL2. Fort Myers, FL3. Port St. Lucie, FL4. Naples, FL5. Lancaster, PA6. Ocala, FL7. Ann Arbor, MI8. Asheville, NC9. Miami, FL10. Melbourne, FLSee the full rankings here. 1949

If another stimulus package is approved, there is a possibility it would include a ,000 travel tax credit. It’s an effort to kickstart the hospitality industry.The tax credit would cover vacation-related expenses through 2021.Experts agree there needs to be a way to jumpstart the economy.It may not be the right time to travel, though.Right now, we are seeing a continuation of the first wave of the virus. A second wave of is expected between the end of the summer and early fall, models show.“It'll dip down and it'll come up again, a resurgence of the same strain,” said Dr. Jay Wolfson, a public health professor at the University of South Florida. “And then we also have reason to believe there will be a mutation of this virus that will occur at the same time in the late summer, early fall.”Dr. Anthony Fauci has said it is possible a vaccine would be available by the end of this year, but Wolfson says having a vaccine doesn't automatically make public places safe again.“It would take a good year or so if you're lucky, once you’ve got a vaccine produced, and a vaccine that's not going to have some adverse effects in a sector of the population,” said Wolfson.It's only been three months since much of Europe went through its peaks of coronavirus. Some countries just started reopening to tourists, but not to Americans yet. 1346

In a little more than a decade, more than 40 million diabetics worldwide could be left without insulin, the drug that is needed to help control the disease. It's a dire prediction from a study published in the journal Lancet Diabetes and Endocrinology that could have life-altering consequences. Health expert Dr. Dahlia Wachs likened insulin to being the key to a door. In most people, it's a naturally occurring hormone the pancreas secretes when we eat sugar so that it can go from the bloodstream and into our cells.But it's a different matter for the millions of people whose bodies either don't make insulin or who have insulin resistance."Type 1 diabetics — they are very dependent on insulin," Wachs said. "They don't make insulin. They get very skinny and we have to give them insulin. There really isn't a lot of other treatments for these Type 1 diabetics.”A shortage of insulin in drug form poses major challenges. "So those with Type 2 diabetes, many of them can take pills, but if they are in poor control we have to give them insulin," Wachs said.Wachs said insulin is expensive to make. She says only three major pharmaceutical companies make it. And the demand isn't the highest here in the United States but other parts of the world, including Africa and Asia. However, the U.S. will have the third highest number of people living with diabetes by 2030.Diabetes is growing at an epidemic rate in the U.S. More than 12 percent of the adult population in Nevada is diabetic, according to the Centers for Disease Control. Every year, 10,000 people are diagnosed with diabetes and an estimated 75,000 have diabetes and don't know it. "So what can we do to prevent the shortage? Well, try to prevent diabetes," she said.That means controlling obesity, exercising and eating healthy. 1943

I know, I know. You’ve probably heard all about how you should renegotiate your bills to save money. But that’s easier said than done, right?That’s why I tried it out. I called up some of my service providers and attempted to cut the cost of my bills.Here’s how you can learn from my successes — and improve upon my failures. (Spoiler alert: Be prepared to make sacrifices.)Formulate a game planIt’s a good idea to call up your service providers and subscription services annually to negotiate a better rate, ask about new promotions or cancel unnecessary bills. This is a powerful tool to save money.These tactics can be used for securing a better deal on cable, internet, subscription services and more.First, review all of your recurring payments by identifying charges on your credit card and bank account. Then, decide if you really want (or need) those anymore.Make a list of the bills you would like to lower or cut out entirely. On my list: Satellite radio, cable, a clothing subscription and a movie loyalty program.Next, look up each company’s website. You’ll usually find a variety of contact methods, including live chat, text messaging, email and a phone number.While you’re searching online, gather information about your current package and pricing, as well as any new promotions from your current company or competitors that can be used as leverage.Cut out what you don’t needSet aside a block of time — maybe an hour or so — and work your way through the list.My first call was to our satellite radio service provider. My husband and I have a SiriusXM subscription. But after months of spotty reception in our car, I decided it was time to cut the service completely.Instead, over the course of a 10-minute phone call, I asked to cancel, then I was met with a better offer. Before, we paid .63 per month. Now, we pay .06 a month for 12 months (for the same plan). Plus, they threw in a free month.Threatening to cancel a service can be a bargaining tactic. Here, it was the truth — I was fully ready and willing to cancel. And it got me a better price.Next? That clothing subscription. A five-minute online chat with athletic brand Fabletics resulted in me canceling my membership. Before, I paid .95 a month as an account credit, unless I logged into my account and shopped or skipped by the fifth day of the month.The customer service representative offered a store credit to stay, but I went ahead and canceled anyway.DowngradeBe patient. There’s a time commitment involved. Plus, things don’t always work out.I spent 45 minutes online chatting, then talking on the phone with DirecTV. But even after consulting with two representatives, my monthly payment remained around 0 before and after my interaction.I was told there weren’t any discounts or promotions currently available for my account. And since I didn’t want to downgrade my package (I’m not ready to give up those Lifetime movies on LMN or game shows on Game Show Network), I’ll have to wait for future offers.If you’re willing to change your TV lineup, review available channel packages online to find a slimmed-down option that works for you. Or call and talk to a representative.Ask for helpRenegotiating bills is perhaps more important now, especially for those who are dealing with financial impacts related to the coronavirus. As the pandemic began taking an economic toll in the spring, providers across a broad spectrum of industries stepped up to extend payment assistance and waive late fees for customers.I contacted some service providers to see how they’re continuing to help consumers who are struggling.Most telecommunications companies, such as Dish and Comcast, provided similar advice: If existing customers have questions or are interested in lower monthly payments, they should go online or call customer service.Contact companies proactively, and if you’ve been laid off or otherwise affected by the pandemic, be honest about your situation.Look for resources that don’t require any effort, too. I thought I might need to cancel or renegotiate my -a-year AMC Stubs Premiere movie theater loyalty account. But the company had already temporarily paused my account in light of movie theater closures.Renegotiating bills didn’t save me enough money to retire early. But I’ll manage to hold onto almost 0 over the next 12 months — which is more than if I hadn’t picked up the phone.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 4799