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State legislators will vote Monday on an emergency bill to block evictions across California when a moratorium expires on Sept. 1.The bill would extend the moratorium protections for tenants through January 2021, but evictions could resume in February.This bill, called the COVID-19 Tenant Relief Act of 2020, does two major things to protect tenants:1) It converts unpaid rent from March 1 to Aug. 31 to civil debt, meaning a tenant cannot be evicted for nonpayment. Instead, that person can ultimately be taken to small claims court.2) It prevents eviction of tenants who pay at least 25 percent of their rent from Sept. 1. to Jan 31, 2021. If a tenant pays at least 25 percent, the rest would be converted to civil debt. Otherwise, a landlord can begin eviction proceedings Feb. 1, 2021.Governor Gavin Newsom announced he would sign the bill once it reaches his desk.The Southern California Rental Housing Association expressed major concerns about the legislation, saying it does not protect against financial ruin for landlords. In a statement, it said the bill doesn't provide rental income assistance and does not guarantee landlords will ever get the money they are owed.The bill requires a two-thirds vote, and is expected to be taken up in both houses of the state legislature Monday. 1302

The average debt among undergraduate students with loans in the class of 2019 is ,950, according to a new report from The Institute of College Access and Success, a nonprofit focused on higher education research and advocacy.That debt marks a slight decrease from ,200 for the class of 2018. The percentage of students in the class of 2019 who took out loans also dropped compared with 2018, from 65% to 62%.Debbie Cochrane, executive vice president of TICAS, says these shifts align with a general flattening of debt levels in recent years, due in part to increased state investment in higher education. But this trend and that funding could end due to the economic effects of COVID-19.“These students graduated in 2019,” Cochrane says. “We’re now in the middle of an economic and health crisis that puts all those gains in jeopardy.”Average student debt over timeAverage student debt growth has slowed, but indebtedness has increased substantially since TICAS issued its initial report on the subject 15 years ago.“What’s clear is that despite the flattening in recent years, debt has not been flat in the longer period,” Cochrane says.In 2004, the average student debt was ,550 — roughly 56% less than it is for the class of 2019. TICAS says inflation was 36% over the same period of time.Average debt has increased even faster in some states. For example, TICAS found that debt among graduates in New Jersey has grown 107% since 2004, rising from ,223 to ,566.The pandemic will likely accelerate this growth.“Students who are still in college or considering college now have frequently seen their family’s ability to pay for school change dramatically because of the economic crisis,” Cochrane says.She says it’s unclear what policymakers will do to support these students.Managing federal student debtRelief is available to most federal loan borrowers, as their payments are suspended interest-free through Dec. 31.But once payments restart, if you owed the average debt of ,950, your monthly bills would be roughly 0, assuming an interest rate of 4.5% and a 10-year repayment term.That may be difficult to afford if you’re facing an economic hardship.You could continue to pause payments, but pay interest for doing so. A better long-term solution is enrolling in an income-driven repayment plan.“Income-driven plans usually can fit someone’s budget,” says Betsy Mayotte, president and founder of the nonprofit Institute of Student Loan Advisors.These plans set federal loan payments at a percentage of your discretionary income, typically 10%. Monthly payments can be Thanksgiving may not have all the fixings this year. Most Americans are planning a scaled back event.But 75% of people told Butterball they plan to have a turkey the same size this year, as last year.“If you're looking for a smaller turkey, I would recommend shopping early to get what you want,” said Andrea Balitewicz, Butterball Turkey Talk-Line Supervisor.While many people are looking for some normalcy this Thanksgiving, 30% are hosting immediate family only.Butterball says there will also be more first-time hosts.“But there's also other products available like our turkey breast roasts, which are perfect for just a couple of people, or you can find the bone in turkey breast and that's a really great product too, and it's some for about six to seven people. So, it's a great product for smaller celebrations.”Butterball is planning the same offerings as usual. About half its turkeys will be in the 10-16 pound range. The other half in the 16-24 pound range.Walmart says it will have 30% more turkey breasts for those that don't want to cook a whole bird, even though they will have plenty of those.Kroger bought more turkeys than usual. It's predicting an increase in demand for alternatives.Turkey sales have been falling in general, according to Nielsen data. Last November they were down 3.5% from the year before. Sales for beef and plant-based meat were up. 1382 if you earn below a certain amount.Options for private loan borrowersRoughly 16% of graduates in the class of 2019 have nonfederal loans, according to TICAS. If you’re among them, contact your lender immediately if you can’t afford payments.“I wouldn’t call after your first bill is due,” Mayotte says. “I would call before that and let them know you’re struggling.”She says you may be able to pause payments or make interest-only payments temporarily. You could also ask your co-signer for help, if you used one.Another option would be refinancing private loans at a lower rate. But you or a co-signer will need steady income and a credit score in at least the high 600s to qualify.For example, refinancing ,950 from 4.5% to 3.5% would reduce your monthly bill by and save you ,652 over a 10-year term. If you needed more wiggle room in your budget, you could refinance to a 15-year term to lower your payments by — but you’d pay ,249 more overall as a result.Use a student loan refinance calculator to help find the right repayment terms for you.If you have federal student loans, don’t refinance them until at least the payment suspension ends. Refinancing costs you access to that payment pause and other government programs like income-driven plans.More From NerdWallet2020 Student Loan Debt StatisticsIncome-Driven Repayment: Is It Right for You?How to Get Student Loan Relief During the Coronavirus and BeyondRyan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. 4103

TAMPA, Fla. (AP) — A Florida teen identified as the mastermind of scheme that gained control of Twitter accounts of politicians, celebrities and technology moguls has pleaded not guilty to multiple counts of fraud. Seventeen-year-old Graham Clark is accused of using the hijacked Twitter accounts to scam people around the world out of more than 0,000 in Bitcoin. He faces numerous charges including 17 counts of communications fraud and 11 counts of fraudulent use of personal information. Two other men were also charged in the case. Mason Sheppard, 19, of Bognor Regis, U.K., and Nima Fazeli, 22, of Orlando were charged separately last week in California federal court.Court papers in the California cases say Fazeli and Sheppard brokered the sale of Twitter accounts stolen by a hacker who identified himself as “Kirk,” and said he could “reset, swap and control any Twitter account at will” in exchange for cybercurrency payments, claiming to be a Twitter employee.The documents do not specify Kirk’s real identity but say he is a teen being prosecuted in the Tampa area.Twitter has said the hacker gained access to a company dashboard that manages accounts by using social engineering and spear-phishing smartphones to obtain credentials from “a small number” of Twitter employees “to gain access to our internal systems.” Spear-phishing uses email or other messaging to deceive people into sharing access credentials.The prosecution believes Clark called a Twitter employee and was able to convince the employee he was a coworker, according to the Wall Street Journal.A blog post from Twitter last week shared some details of the hack. "Using the credentials of employees with access to these tools, the attackers targeted 130 Twitter accounts, ultimately Tweeting from 45, accessing the DM inbox of 36, and downloading the Twitter Data of 7." Clark was arrested Friday and entered the not-guilty pleas Tuesday. He remains in jail with bond set at 5,000. A bond hearing is set for Wednesday. 2013

The 49-year-old son of a prominent Macomb County, Michigan judge faces first-degree murder charges in the death of his father, whose body was found on a Florida golf course. Police said James Scandirito Jr. quickly became a suspect in the case after he called the Boca Raton police on April 1 to report his father, James "Skip" Scandirito Sr., missing. The son said his father never returned home on March 31, but Scandirito Jr.'s story had inconsistencies, according to police. Scandirito Sr.'s body was later discovered at an abandoned golf course in Boca Raton. The Alachua County police arrested Scandirito Jr. after he was seen driving his vehicle with stolen license plates. He's being held without bond in his father's death. Scandirito Sr. represented Harrison Township on the Macomb County Board of Commissioners in the 1990s and was later elected to serve as a judge in 41B District Court in Mount Clemens.  1000

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