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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

Coca-Cola will soon be giving Japanese consumers a new kind of buzz.In a departure from its traditional soda business, Coke plans to launch an alcoholic drink in Japan this year. It's trying to get in on the growing market for "chu-hi" -- canned, flavored drinks typically made with sparkling water and shochu, a Japanese spirit distilled from grains.The new drink is a "highly Japan-specific approach given the complexity and richness" of Coke's range of products in the country, Coke spokesperson Yohko Okabe told CNN on Wednesday.The company declined to give further details on the plans, but in a recent blog post, the president of Coca-Cola Japan said the drink would be "unique" in Coke's history."We haven't experimented in the low alcohol category before," Jorge Gardu?o said in the post.The storied soft drinks company is set to enter a crowded market. Big Japanese beverage makers like Kirin and Suntory already produce popular "chu-hi" drinks.Brewing up an alcoholic beverage is just Coke's latest Japanese experiment.The country is one of the company's most competitive and fast changing markets. It says it launches about 100 new products there every year.Other big global brands have tried unusual things to cater to Japanese consumers' palates. Nestlé opened a factory last year in Japan to meet the growing demand for weirdly flavored KitKat bars.Coke has dabbled in alcohol in the past, buying wine businesses in the US in the 1970s. That foray was widely seen as a failure, and it quit the wine industry a few years later.But CEO James Quincey has said the company needs to experiment beyond its classic soda brands.Some drinks it created specifically for Japanese consumers have found success in other markets.Few Americans have heard of Aquarius (a sports drink), Georgia Coffee (a canned coffee drink) or Sokenbicha (a blended tea drink), yet Coke says that each of those concoctions created for the Japanese market has generated global sales of billion or more in the past five years.Coke fans outside of Japan hoping for a stiffer drink from the company shouldn't get their hopes up, though."I don't think people around the world should expect to see this kind of thing from Coca-Cola," Gardu?o said of the planned "chu-hi" drink.But in an interview with CNN last month, Quincey left open the possibility of introducing alcohol in the US one day."Never say never," he said.  2413

Consumers are going to have to wait a little longer to shop the Toys "R" Us liquidation sales.The company had said it expected the sales to start Thursday. But there's been a delay, a company spokesperson told CNNMoney Thursday morning. It now expects sales to likely start Friday.The iconic toy giant announced last week that it will shut or sell all of its 735 US stores.Shoppers looking to snag a bargain should act fast when the sales start."It will be quick," said Chuck Tatelbaum, a director with Tripp Scott, a Florida law firm, on how quickly the shelves will empty. "No more than 60 days, closer to 30 days."The more popular and favorite toys tend to move the fastest, and inventory is likely already slim."The [stores] haven't gotten a lot of new inventory in the last month or two, so a lot of the popular things have probably already sold out," said Tatelbaum.Consumers with Toys "R" Us gift cards and Endless Earnings e-gift cards should also hurry. The retailer will honor these forms of payment until April 20. Stores will no longer accept coupons or other rewards.Stores will accept returns on products purchased before the liquidation for the next 30 days. All purchases made after liquidation sales begin are final, which means they cannot be returned or exchanged.Consumers planning on going to the store for one last walk up and down the aisles to reminisce could face a different reality."People will go for one last time, but I am not sure it will translate into buying," said Tatelbaum. "I think you are going to find a general malaise — not happy and joyful employees ... this is going to be almost like a wake."The company has been posting job openings recently for temporary positions to help during the liquidation process.But the store closings mean that around 31,000 employees will ultimately be laid off.  1849

Cyber Monday shoppers may also want to consider refurbished gifts.Monday, U.S. PIRG released its “Fixed for the Holidays” update. It found the variety has expanded greatly since the last report two years ago.There are options like refurbished smartphones, vacuums or professional cameras.“The deals and the quality have gotten a lot better, and in fact some of the refurbishers have told us that they've seen a significant increase in their operations over the course of the pandemic,” said Nathan Proctor, Director of U.S. PIRG's Right to Repair campaign.Refurbished products can be a great alternative for new devices that are hard to find amid manufacturing disruptions caused by the pandemic. Plus, the savings can be significant. Most of the time, they’re even better than the discounts on Black Friday.Buying refurbished is also a green option because it cuts waste.Many of the big retailers do their own refurbishing. There's also certain websites U.S. PIRG recommends, like The Store, Back Market, and Gazelle. They have extensive quality checks and great coverage options.“We recommend some of the retailers we do because the warranties are so good. I mean you can get a product with a longer warranty from the refurbisher than the new equipment manufacturer provided,” said Proctor.When shopping refurbished, learn how the site differentiates its products. Then, decide what balance you're looking for.Some products may be less expensive but have more cosmetic issues like scratches and dings. Others were returned without ever being opened.Look for brands with a reputation for higher quality.A good rule of thumb is if it was cheaper when it was new, it's higher risk as refurbished. 1703

COMPTON, Calif. (CNS) - A manhunt was underway Tuesday for the gunman who brazenly shot two Los Angeles County sheriff's deputies as they sat in a patrol SUV at a Compton rail station, with a reward for information leading to the suspect increasing to 0,000.The deputies, members of the Transit Services Bureau, remained hospitalized in critical condition, but Sheriff Alex Villanueva was hopeful Monday about their prognosis."Fortunately, they were spared any injury to a vital organ that would have jeopardized their life immediately," Villanueva told KNX Newsradio.But the sheriff said the deputies -- described only as a 24-year-old man and a 31-year-old mother of a 6-year-old boy -- have a long road to recovery. Villanueva said Saturday both deputies were sworn in just 14 months ago.A GoFundMe page set up for the two deputies raised nearly 0,000 as of Tuesday morning as a reward for information leading to the arrest and conviction of the suspect increased to 0,000. As of 1 a.m., more than 3,900 people had donated 9,635 toward the page's goal of 0,000. The page, which was started by sheriff's detective Keegan McInnis, can be found at http://ow.ly/N3q430r9VTq.As of Monday, no suspects have been identified, despite some online social media chatter to the contrary. The sheriff's department issued a statement early Monday saying the information circulating online "is ERRONEOUS information and there are no named or wanted suspects at this time."Villanueva told KNX that investigators are "working day and night to identify and arrest these cowards," referencing the gunman and a possible getaway driver.The county is offering a 0,000 reward for information leading to the gunman. The Board of Supervisors is expected to formally ratify the reward offer at its meeting Tuesday. Villanueva, in a Monday afternoon appearance on KABC radio, said two private donors stepped up to increase the reward offer to 5,000.The Los Angeles County Metropolitan Transportation Authority announced Monday afternoon it is adding ,000 to the reward, noting that the deputies were working for Metro's Transit Services Bureau at the time of the shooting.Villanueva challenged Laker star LeBron James, who has been outspoken on social-justice issues and in support of the Black Lives Matter movement, to double the reward offer.Anyone with information was encouraged to contact the Sheriff's Department's Homicide Bureau at 323-890-5500. Anonymous tips can be left for L.A. Crime Stoppers at 800-222-TIPS (8477), or at http://lacrimestoppers.org.The attack occurred at 7 p.m. Saturday at the Metro A (Blue) Line station at Willowbrook Avenue and Palmer Street. Surveillance video shows the suspect approaching the patrol vehicle from behind, walking up to the passenger side of the vehicle, pulling out a handgun and firing through the passenger side window. The gunman is then seen running away.The shooter was described by the sheriff's department as a "male Black, 28- to 30-years-old, wearing dark clothing, who was last seen heading northbound on Willowbrook Avenue in a black four-door sedan."Villanueva said his department has been contacted by President Donald Trump and Democratic presidential candidate Joe Biden, and he said the president may reach out to the injured deputies' families. Trump visited northern California Monday to survey wildfire damage."Both candidates have done a very good job, been very supportive," Villanueva said. "They set aside their political differences and they both stepped up to the plate and said they're here to support the sheriff's department, and we support their efforts."Relatives of the injured deputies -- including the husband of the female deputy and the girlfriend and parents of the male deputy -- were at St. Francis Medical Center in Lynwood, where they're being treated.Villanueva on Monday again lashed out at protesters who showed up at the hospital Saturday night and shouted anti-law-enforcement chants, expressing hope that the deputies die. One witness told ABC7 some protesters tried to force their way into the emergency room while shouting "death to the police.""They were chanting that they wish the deputies died," Villanueva told KNX Monday. "And I don't even know how to be begin to describe that, other than repulsive, reprehensible."More video surfaced Monday showing some bystanders at the Metro station taking pictures or video of the wounded deputies after the shooting, and at least in one case, laughing while failing to offer any kind of aid.County Supervisor Kathryn Barger didn't mince words Monday about her disgust with the hospital protests. She suggested the shooting was the culmination of "anti-law-enforcement rhetoric expressed by many elected officials, community leaders and others," leading to the creation of a "toxic environment amid a time of civil unrest."The shooting came on the heels of a series of combative protests outside the sheriff's South Los Angeles station, with demonstrators condemning the Aug. 31 fatal shooting by two sheriff's deputies of 29-year-old Dijon Kizzee in the Westmont area. Those demonstrations led to more than three dozen arrests, with the protesters accusing deputies of using excessive force and Villanueva saying demonstrators triggered the violence by hurling objects at sheriff's deputies.Following the Saturday night shooting, county Supervisor Janice Hahn was among those pleading for calm in the community.Also in the aftermath of the shooting, Villanueva and the sheriff's department are taking criticism over the arrest of a KPCC/LAist reporter while deputies were working to quell the protest outside the hospital. Video from the scene showed deputies pinning reporter Jose Huang to the ground and arresting her.The sheriff's department claimed she didn't have proper media credentials and was "interfering with a lawful arrest." Villanueva later doubled down on that contention, saying Huang got "right up on the shoulder" of a deputy trying to make an arrest, and saying her actions were more "activism" than journalism.Video from Huang's cell phone has since surfaced, appearing to contradict the department's description of events. KPCC reported that the video shows Huang repeatedly identifying herself as a reporter, shouting "KPCC," and saying, "You're hurting me" and crying out in apparent pain.Inspector General Max Huntsman is opening an investigation into the incident. 6445

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