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Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856

NEW ORLEANS, La. – A critically endangered gorilla that was born at a New Orleans zoo just six days ago has died.The Audubon Zoo says its animal care staff noticed Wednesday evening that the infant western lowland gorilla seemed lethargic and weak in the arms of its mother, 13-year-old Tumani. The young gorilla was transferred to the zoo’s animal hospital, but the veterinarian team could not revive it.The zoo says Tumani is currently being monitored by the veterinary team and the entire troop was given the opportunity to grieve the loss of the infant.The zoo says it took extra precautions leading up to the birth, working with Tumani on maternal training to prepare her to be comfortable with the possibility of staff assisting her with feeding or caring for the infant.“There are many risks involved with gorilla births and unfortunately, it is not unusual for a first-time gorilla mom to lose an offspring,” said Dr. MacLean, Audubon’s Senior Veterinarian, in a press release. “Our veterinary team worked with outside medical experts on site including Species Survival Plan Gorilla Birth Management Team, OB-Gyns, and neonatologist to help us prepare and manage this birth.”The mother and baby initially appeared to be doing very well, according to the zoo. Animal care staff were closely monitoring the infant’s health to ensure that mother and baby received the care needed. The infant reportedly appeared to be feeding and progressing well.The zoo says the cause of death is underdetermined at this time. Initially, officials say it appears that there was a lack of adequate lactation from Tumani to support the infant, but they plan to perform a necropsy to determine cause of death. Results will be available in a few weeks.“We are heartbroken over the loss,” said Ron Forman, Audubon Nature Institute President and CEO. “This has been a work in progress for many years, from the introduction of the new troop members to the announcement of the birth, everyone involved has worked tirelessly. I am incredibly proud of our team. We will continue to contribute to the conservation of this amazing species.”Many gorilla populations have declined or disappeared over the past few decades. Western lowland gorillas have been assessed by the International Union for Conservation of Nature as critically endangered, with a population decline of more than 80%, mainly due to illegal hunting, disease, habitat loss, and an increase in poaching. 2457

Nearly two months after the killing of George Floyd, protesters continue to march in cities nationwide. Many are demanding a change in how the country polices. "I think the murder of George Floyd was a watershed incident," said Sue Rahr, a 36-year law enforcement veteran. Rahr worked her way up the ranks to the sheriff of King County, home to Seattle. The final years of her career have been with the Washington State Criminal Justice Training Commission (WSCJTC), where she serves as executive director. "Because there was no way to explain it away by a rapidly-evolving situation with split-second decision making, it wasn't that. What it portrayed was just a callous disregard for a human being," said Rahr. When Rahr came to the state's centralized training academy, she brought with her a new mindset. "We talk more about looking at yourself as a guardian of the community, rather than a warrior coming in to fight a war."Rahr says recruits still learn the skills of a warrior, from firearms to defensive tactics. However, she believes this is just one piece of a complex equation."We talk about the importance of procedural justice, communication, emotional intelligence, all of those things that contribute to building trust," said Rahr. De-escalation tactics are at the forefront of training."The use of good patrol tactics to control the pace of the event increases the likelihood of a favorable outcome. It's not always going to be the case because we're dealing with human beings. But on the side of the police, what we're trying to give them is the tools, the tactics, the strategies to slow the pace down," said Sean Hendrickson, program manager for de-escalation training for the State of Washington.Early on, recruits learn that discretion is a critical part of their job.In one training exercise, a man is caught shoplifting diapers and formula. Officers learn the man has no criminal history, recently lost his job, and stole the items in a moment of despair for his newborn child. While officers were in their rights to arrest him, recruits were told to use critical thinking to find other ways within the law to proceed."Doing some of that due diligence, being able to call the manager, tell him the story, tell him what's going on. Offer some solutions and then go from there," a training officer said during the exercise. "He did break the law, and you have the legal authority to arrest him. But just because you can doesn't mean you should."But training at the academy only goes so far."Once we send them out of here, they're going to an agency that may have a different culture, which culture is deep-seated. They may have a different outlook on training," said Hendrickson.A new state law hopes to address this problem. Hendrickson is now leading the effort to teach enhanced de-escalation tactics to recruits and veteran officers statewide."The real goal is from day one of starting the academy, until the day you retire, you get one consistent message. And as far as I know, at least in this state, that has never been done before," said Hendrickson. The new law also tackles another complex layer of policing. "In my experience, 10 years ago, all of us in law enforcement, myself included, were very uncomfortable talking about race," said Rahr. With help from professors from the National Museum of African American History and Culture, the training commission is developing an extensive curriculum on the history of race and policing. It aims to educate new and veteran officers on the historical roots of how the system is structured. "If a community has a belief system based on its history, we as law enforcement need to understand what contributes to that belief system so that we can break down the barriers and build a relationship with the community," said Rahr. As efforts to de-fund the police gain momentum nationwide, Hendrickson worries training budgets will be the first to go."Police officers need more training, but that requires time and money, and probably not the message most people want to hear," he said. The state of Washington requires 720 hours of training at the academy; compare that to 1,600 hours needed to get a cosmetology license in the state."My opinion is that police officers are woefully under-trained to meet the expectation, the current expectation, of the community," said Hendrickson. But with the nation's deep wounds reopened, he's hopeful the state's new training efforts could one day help in healing."It's very early in the process, and I believe we will be successful," he said. 4563

NEW YORK CITY — In what New York City's mayor is calling a "Christmas miracle," an NYPD officer is conscious and communicating after he was shot in the back in Brooklyn while responding to a 911 call for a domestic dispute, police said.The incident occurred in the Crown Heights neighborhood of Brooklyn on Thursday night.Police said the alleged shooter has been arrested and the gun was recovered. A bulletproof vest protected the 27-year-old officer, who was rushed to a local hospital after being shot near Prospect Place and Ralph Avenue. It went into the vest, but didn't penetrate the officer's skin, NYPD Commissioner Dermot Shea said.The shooter allegedly threatened his girlfriend, New York City Mayor Bill de Blasio said.The girlfriend's mother repeatedly called 911, begging for police to come, Shea said. She said the boyfriend had threatened to shoot the home up. As officers on the scene interviewed the daughter, her boyfriend arrived.He shot an officer and then ran, Shea said. Other officers pursued and arrested him a few blocks away. Body camera video shows officers repeatedly tell the shooter to drop his gun. He put it down on the sidewalk and was taken into custody."Because the NYPD was there, that woman is alive right now," de Blasio said. "Because our officer put himself in harm's way, an innocent woman is alive."The officer’s precise condition wasn’t immediately clear, but police officials said the officer was awake and responsive and has since been released from the hospital.De Blasio and Shea spoke to the officer's parents."They felt that this was a Christmas miracle that their son was alive and well," de Blasio said.The NYPD asked people to avoid the area. People were advised to expect a police presence in the area."It's Christmas Eve. This is a time when you would expect peace, you would expect harmony," de Blasio said.This story was originally published by Aliza Chasan on WPIX in New York City. 1948

NEW YORK — Shake Shack employees have been cleared of any criminality after three police officers were sickened by drinks from a Lower Manhattan location Monday night, according to the NYPD."After a thorough investigation by the NYPD's Manhattan South investigators, it has been determined that there was no criminality by Shake Shack's employees," NYPD Chief of Detectives Rodney Harrison tweeted just after 4 a.m. Tuesday.According to police sources, it appeared a machine at the chain's Fulton Center location was improperly cleaned, resulting in the residue of a cleaning agent or bleach remaining inside when it was used to make beverages for the police officers.The investigation came after three Bronx officers, assigned to a protest detail in Lower Manhattan, became ill after drinking beverages from the restaurant.PBA President Pat Lynch said the police officers were hospitalized but were expected to be okay.The Detectives' Endowment Association initially claimed on Twitter Monday night that officers were "intentionally poisoned" by workers at the Shake Shack location, a claim the NYPD did not corroborate early Tuesday. 1143

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