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For four days starting Monday, the Democrats will hold their national convention virtually after canceling their in-person convention slated for Milwaukee due to the coronavirus.The Democrats will attempt to keep a familiar format for its convention, with several keynote speakers scheduled to speak each night.The Republicans will also hold most of their convention activities virtually, starting for four nights on August 24.What’s differentThe conventions are generally a spectacle with thousands of party supporters gathered in a large arena amid pomp and circumstance. While conventions are a way for parties to energize their leaders for the stretch run of a campaign, the gathering of delegates allow for the party to develop its platform.While conventions officially serve the purpose of nominating a candidate for vice president and president, the nominations are generally a formality at the convention. With a virtual convention, the most visual component of the convention is gone. Will the addresses just be seen as more stump speeches?The event will also be pared down some. The speeches will run from 9 to 11 p.m. ET nightly. At previous conventions, festivities generally began in the late afternoon. With a shortened timeframe, a number of lower profile Democrats – think members of Congress without a national profile – won’t make it on the convention stage.What’s the sameThe format will still be a familiar one for those who follow conventions. A number of speeches will be given by top Democrats to promote Joe Biden and Kamala Harris, and the party’s platform.Tuesday will also feature the official nomination for president and vice president. Wednesday will include the traditional vice presidential nominee acceptance speech, following by Thursday’s traditional presidential nominee acceptance speech.Like at a customary convention, the virtual Democratic Convention will have themes each night. Monday’s theme will be “We the People,” Tuesday’s theme will be “Leadership Matters,” Wednesday’s theme will be “A More Perfect Union,” and Thursday’s theme will be “America’s Promise.”The speakersThe Democratic Party has released a list of speakers for each night. Here is sampling of the speakers for this year’s convention.Monday:Former Ohio Gov. John KasichSen. Bernie SandersNew York Gov. Andrew CuomoMichigan Gov. Gretchen WhitmerSen. Amy KlobucharFormer First Lady Michelle ObamaTuesday:Senate Minority Leader Chuck SchumerFormer Secretary of State John KerryRep. Alexandria Ocasio-CortezFormer President Bill ClintonFormer Second Lady Jill BidenWednesday:Speaker Nancy PelosiFormer Secretary of State Hillary ClintonSen. Elizabeth WarrenFormer Rep. Gabrielle GiffordsVice Presidential Nominee Kamala HarrisFormer President Barack ObamaThursday:Sen. Cory BookerCalifornia Gov. Gavin NewsomAtlanta Mayor Keisha Lance BottomsFormer South Bend, Indiana, Mayor Pete ButtigiegSen. Tammy DuckworthMembers of the Biden FamilyPresidential Nominee Joe BidenCounter programmingWhile the Democrats hold their convention, NBC News reported that President Donald Trump plans on campaigning in four battleground states next week. Trump is slated to visit Minnesota, Wisconsin, Arizona and Pennsylvania, NBC reported. 3237

Fox News anchor Laura Ingraham bashed NBA stars LeBron James and Kevin Durant after the two got candid on the political climate during a video on James' website, Uninterrupted.Ingraham called their conversation about politics R-rated, saying it was a 'barely intelligible and ungrammatical' take on President Trump.During the ride-along, James said the climate for athletes who want to use their platform to talk about social justice and political issues is hot. Growing up, James said he looked up to three people: the president, the top athlete at the time and the to the top musician, noting while many people never think they can be them, they can grab inspiration from them."The number one job in America, the point of person is someone who doesn't understand the people and really don't give a f*** about the people," James said.Ingraham asked, "must they run their mouths like that?""This is what happens when you attempt to leave high school a year early to join the NBA and it's always unwise to get political advice from someone who gets paid 0 million a year to bounce a ball. Oh, and LeBron and Kevin, you're great players, but no one voted for you. Millions elected Trump to be there coach, so keep the political commentary to yourself or as someone once said 'shut up and dribble,'" Ingraham said.Celebrities like Greys Anatomy star Ellen Pompeo star and ESPN reporter Jemele Hill were quick to respond.Someone tell this bitch to meet me outside... Im so not in the mood for playing nice or polite this week https://t.co/LUpm0k3ZvV— Ellen Pompeo (@EllenPompeo) February 16, 2018 1643

Ford is recalling about 350,000 trucks for a problem that could cause them to roll even after the driver shifts into park.The automaker says the issue affects 2018 Ford F-150 and Ford Expedition vehicles with 10-speed automatic transmissions, as well as Ford F-650 and F-750 vehicles with 6-speed automatic transmissions.Ford says a piece of equipment on the affected vehicles can become dislodged over time, which means the car won't be in the gear that it looks like it's in, such as park.This means that if the driver shifts the car into park, the car might not actually be in park — and there would not be a warning message to indicate that. If he or she doesn't use a parking brake, Ford says the vehicle could roll.Ford says it's aware of one reported accident and injury.The company is also recalling more than 100 other vehicles for a missing transmission roll pin. If the pin is missing, the company says that the transmission on those vehicles might eventually lose the ability to park, even if the driver shifts the car into that gear.Ford says that problem affects around 160 of the 2017 and 2018 Ford F-150s, 2018 Ford Expeditions, 2018 Lincoln Navigators and 2018 Ford Mustangs with 10R80 transmissions.  1231

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

For more than three decades, the Catholic Church has been rocked by sex abuse scandals spanning the globe.And for decades, the church has been accused of protecting itself rather than the victims of child sexual abuse.Here are some major scandals and revelations involving the Catholic Church and allegations of abuse. 326

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