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With the midterm elections less than a month away, President Donald Trump is back on the campaign trail, trying to rally Republicans to vote.To boost turnout, the president is making the election about him.“I'm not on the ballot, but in a certain way I’m on the ballot, so please go out and vote,” Trump said at a recent rally. “And I’m not on the ticket, but I am on the ticket, because this is also a referendum about me. Get out and vote. I want you to vote. Pretend I’m on the ballot.”The president's calendar is stacked with appearances, with four just this week. Not even Hurricane Michael, one of the strongest storms to ever hit the U.S., stopped President Trump from attending a campaign rally last night.The president defended his decision to go to the rally, saying people waited in line to see him.“What are you going to do? Tell thousands of people that have been waiting there all night that we're not coming? That's not fair either,” Trump said.Trump did, however, call it "wrong" when President Obama attended a campaign event back in 2012 when a smaller hurricane hit the east coast.But with control of Congress up for grabs, right now the stakes are high for the president. Republicans keeping the majority in the Senate is incredibly important for the president's agenda. The idea of keeping a majority in the House would be important personally, considering the dynamics of impeachment. 1419

has been arrested, as deputies say she used a credit card in her boyfriend's name to get back at him for not buying her a plane ticket to New York.Serina Wolfe, 24, of Buffalo, N.Y., was in the news a few days ago when she left a ,000 tip for a server grieving the loss of her dog, but now we have the rest of the story.According to an arrest affidavit, Wolfe made a purchase using a credit card in her boyfriend's name. He said they were in an argument because he wouldn't buy her a plane ticket home to New York.Wolfe denied making the purchase. Then her boyfriend reported the charge to his credit card company as fraudulent, saying he believes she was drunk or trying to get back at him.Clear Sky Cafe, where the tip was given, was notified the purchase was fraudulent on Monday, and they had already paid out their waitress for the amount of ,000 for the tip and .37 for the food.Wolfe voluntarily handed over the card she used to deputies and was arrested for grand theft.It is unclear at this time whether or not the server will get to keep the money. 1067

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

"I started cutting hair when I was a teenager and it’s what kept me off the streets because I enjoyed what I did and I just wanted be able to pass that a long," said Johnson. "All I’m trying to do is take guns out of their hands and replace them with clippers. Let that be their weapon of choice instead of the guns."He dedicated the club to 19-year-old Thailek Willis, one his clients, who was shot and killed in Edgewood in 2018. His personal logo was L34L, meaning L3 for life. Johnson said he promised Willis' family he would honor his son so that logo is on all the Young Barbers Club gear. Monday, three students were at the class. Each one was pushed by a family member to join but happy to learn the skills for the future. "I know later in life if I’m down bad I can use to this to help me get back up on my feet. New talent to make some easy money," said Drequan Jones, a 16-year-old student from Aberdeen. "You always gotta do something other than being out and doing bad," said Myron Johnson, a 13-year-old student from Edgewood. Syree Waldon, a 14-year-old from Havre De Grace, hopes he "will inspire other teenagers my age to do it." Johnson said this club will just get bigger, with more people, but also with his focus. He wants to expand to teach etiquette, to help with school work and participate in charity events. "We're just trying to take our passion and basically give them a purpose by doing that. I just believe that one or two hours they spend here could be, it may just that time that will save their lives," said Johnson. Right now, the club is based out of the Edgewood Boys and Girls Club. They donated the room and with a donation from Freedom Federal Credit Union, they're able to renovate it into a barber shop. 1747

is a disease that can be fatal to dogs and spread to humans — and it's on the rise in the western United States.Leti Paoli's dog, Copper, battled health issues for several years. In the last year and a half, Copper was back to being the energetic dog Paoli remembered — until two weeks ago. Paoli's husband was in the backyard playing with Copper when he noticed Copper was walking with a stiff gait. He thought Copper had re-injured his back.After taking him to the veterinarian, they found out Copper was suffering from one of the early signs of leptospirosis."One of the first symptoms of leptospirosis is that they're drinking a ton of water, and then they go out and urinate, and sometimes they have urinary accidents because they're drinking so much water," said Dr. Laura Russell, chief emergency doctor at Colorado Veterinary Specialist & Animal ER in Littleton.Russell helped care for Copper. She says her office usually sees one to two cases of leptospirosis per year. This year, they've seen six.Russell's office isn't alone. 1043