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Tax Day is now just two weeks away and the average return is about ,500. It’s tempting to just spend it, but before you do, here are some ideas to make the most of your money.Before you go crazy shopping or spending it on something extravagant, press the pause button. Think about all the things you could do with it, like pay off, or pay down, your debt to create financial freedom and create financial flexibility. 426

TERRE HAUTE, Ind. (AP) — The Trump administration has carried out its ninth execution of the year and the first during a presidential lame-duck period in 130 years. Federal prison officials in Terre Haute, Indiana, on Thursday, executed a Texas street-gang member for his role in the 1999 slayings of an Iowa religious couple. The case of 40-year-old Brandon Bernard was a rare execution of a person who was in his teens when his crime was committed. Bernard was pronounced dead at 9:27 p.m. Eastern time on Thursday, the AP reported.He was 18 when he and four other teenagers abducted and robbed Todd and Stacie Bagley on their way from a Sunday service in Killeen, Texas. According to the Associated Press, reality TV star Kim Kardashian West had even asked President Trump to commute Bernard’s sentence to life in prison.Bernard's last words, which were directed to the Bagley family, were "I'm sorry," the AP reported.Four more federal executions, including one Friday, are planned in the weeks before President-elect Joe Biden's inauguration. 1055

Supporters and opponents of the recent toppling of a Confederate monument in North Carolina turned out in Chapel Hill on Saturday to assert their stances.Seven arrests were made in connection to a gathering on McCorkle Place, the University of North Carolina-Chapel Hill media relations office said."Three arrests were for assault, the fourth for destruction of property and the fifth arrest for resisting an officer. The sixth arrest was for assault, destruction of property and inciting a riot. We are awaiting information on charges for the seventh arrest," the school said.Photos: Protesters topple Confederate statue at University of North Carolina at Chapel Hill?The rival rallies came after 250 protesters knocked over the University of North Carolina's controversial "Silent Sam" Confederate statue at the school on Monday night.On Saturday people congregated at and near the spot where the statue was torn down, news footage showed. Police were on the scene in numbers as people held banners, chanted and marched. Confederate flags could be seen. 1063

Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

Take a peak into Jamya Wiley's world."I'm a varsity cheerleader, I'm on the varsity track team, varsity cross country team, I'm in the national honor society," Wiley said. At 17-years-old, the shy but joyful teenager is on a mission."College is really expensive," she said.From an early age Jamya decided to hit the books and now her years of hard work and weighted 6.1 GPA are paying off.The Fort Pierce, Florida teen has earned more than million in scholarships."It was amazing to know that I was that, I was the top person, that I got the most amount of scholarships out of any student that ever attended Lincoln Park," she told Scripps station WPTV in West Palm Beach, Florida. Jamya said she knew success was in her future, but others couldn't always see it."At honor roll ceremonies, or things where I would get awards, people would come up to me and say, 'wow'. I would appreciate it, but it was kind of like they didn't expect it or it's uncommon," she said. The million in scholarships won't make Jamya take it easy. The Lincoln Park Academy student said she's setting new goals."That all and all encourages me to just do my best and encourage other kids that look like me to do their best so that we can change the story," she said. Jamya has five colleges on her final list and she expects to choose one this weekend. She also recently found out she won the Bill and Melinda Gates full ride scholarship.  1479

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