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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

TAMPA, Fla. — A Florida father died after his ambulance broke down and it took nearly an hour to get him to the hospital. WFTS uncovered that this failure is part of a record of repair problems and an even bigger problem putting the public at risk.When Richard Bateman, a 50-year-old father who traveled the world playing with heavy metal bands, collapsed in his living room on September 5, his wife, Amy Bateman, called 911.A Tampa Fire Rescue engine and ambulance arrived within minutes. But when they tried to drive him to the hospital, the ambulance would not start. The crew called for a backup rescue truck.The second ambulance arrived nearly 40 minutes after the first 911 call.“It was heart-wrenching,” Amy Bateman said. “It was horrible.”The ride to the hospital took 11 minutes. Moments after arrival, Richard Bateman was pronounced dead of a heart attack.“If that first ambulance wouldn’t have died, he might not have died,” said Amy Bateman.Records show: 989

Sun Valley Foods is recalling ready-to-eat beef and chicken taquitos and chimichangas products containing diced green chilies due to concerns that the products may be contaminated with extraneous materials, specifically hard plastic.The hard plastic may pose a choking hazard or cause damage to teeth or gums.The frozen RTE meat and poultry taquitos and chimichangas items were produced by Ajinomoto Foods North America, Inc., and are sold under brand names including Great Value, Casa Mamita and José Olé.The FDA said the following products, sold nationwide, were recalled:19.2-oz. carton containing 16 pieces labeled as “Great Value Flour Chicken Taquitos Tortillas Stuffed with All White Chicken Meat & Monterey Jack Cheese” with a best if used by date of “11 JUL 2021” and “P5590” printed on the side panel.20-oz carton containing 20 pieces labeled as “CASA MAMITA BEEF TAQUITOS ROLLED IN CORN TORTILLAS” with a best by date of “26 JUN 2021” and “EST 5590” printed on the side panel.22.5-oz carton containing 15 pieces labeled as “CASA MAMITA CHICKEN AND CHEESE TAQUITOS ROLLED IN FLOUR TORTILLAS” with a best by date of “26 JUN 2021” and “P5590” printed on the side panel15-oz. carton containing 15 taquitos labeled as “JOSé OLé TAQUITOS CHICKEN AND CHEESE POLLO Y QUESO IN FLOUR TORTILLAS” with a best by date of “08 JUL 2021” or “18 JUL 2021,” and “P5590” printed on the side panel.20-oz. carton containing 20 taquitos labeled as “JOSé OLé TAQUITOS BEEF CARNE DE RES IN CORN TORTILLAS” with a best by date of “08 JUL 2021” and “EST 5590” printed on the side panel.22.5-oz carton containing 15 taquitos labeled as “JOSé OLé TAQUITOS CHICKEN AND CHEESE POLLO Y QUESO IN FLOUR TORTILLAS” with a best by date of “09 JUL 2021,” “14 JUL 2021” or “17 JUL 2021” and “P5590” printed on the side panel.55.5-oz carton containing 37 taquitos labeled as “JOSé OLé VALUE PACK TAQUITOS CHICKEN AND CHEESE POLLO Y QUESO IN FLOUR TORTILLAS” with a best if used by date of “15 JUL 2021” and “P5590” printed on the side panel.60-oz. carton containing 60 taquitos labeled as “JOSé OLé TAQUITOS BEEF CARNE DE RES IN CORN TORTILLAS” with a best if used by date of “9 JUL 2021” or “10 JUL 2021,” and “EST 5590” printed on the side panel.5-oz. individual plastic bag containing “JOSé OLé CHIMICHANGAS LOADED BEEF NACHO” with a best by date of “15 JUL 2021” and “EST. 17417” printed on the label.The products bear the establishment number “EST 5590,” “P5590” or “EST. 17417” printed on the packaging above the expiration date.Ajinomoto Foods North America, Inc. identified pieces of hard plastic in their production process and in a barrel of diced green chilies that was received from their ingredients supplier, Sun Valley Foods. Sun Valley Foods initiated a recall of the green chilies with the FDA.There have been no confirmed reports of adverse reactions due to consumption of these products. Anyone concerned about an illness should contact a health care provider.FSIS is concerned that some product may be in consumers’ freezers. Consumers who have purchased these products are urged not to consume them. These products should be thrown away or returned to the place of purchase.To learn more about the recall, click here.This story was originally published by staff at WTKR. 3276

The April 17 tax filing deadline is less than a month away, so if you haven't submitted your return, it's time to get moving.But that's no reason to rush through it.Whether you decide to go it alone or hire a tax preparer to help, make sure you avoid these costly mistakes.1. Making careless errorsBlame it on fat fingers, deadline pressure or plain carelessness, technical errors like the wrong Social Security number, name misspellings or a simple math error can cause problems and delays with your return.Tax software programs can flag errors like this, but every filer should still pay close close attention when reviewing their returns before sending them in, particularly pen-and-paper filers.2. Using the wrong filing statusThere are five filing options: single, married filing jointly, married filing separately, head of household and qualifying widow/widower with dependent child.Choosing the right status is important as it affects how much you pay in taxes. For instance, filing as head of household provides more benefits than married filing separately, explained Mark Steber, chief tax officer of Jackson Hewitt Tax Services.3. Forgetting to report incomeUncle Sam needs to know about all your sources of income last year: your salary, side-hustle cash, retirement withdrawals and gambling winnings. All of it.So don't leave anything out. If you get caught with unclaimed income, you could get hit with major penalties.4. Hiring a pro when you can DIYSome people have very complicated tax situations where an expert needs to be brought in. But many Americans have simple filings that might not require professional assistance, the experts said.If you have an adjusted gross income of ,000 or less, check if you can file your federal taxes for free using the IRS's Free File software options.5. Not taking all eligible deductionsDon't leave money on the table or pay more in taxes than you have to.Take the time to figure out which credits and deductions you're eligible for to reduce your tax liability and get as much back as possible. The IRS isn't going to tell you if you missed a valuable credit you could have claimed, said Steber.The Earned Income Tax Credit, for example, is commonly overlooked, with about one in five eligible taxpayers missing out on it, according to H&R Block. It's a sizeable credit with an average amount of more than ,400.6. Being disorganizedTax forms tend start rolling in at the start of the year that detail your sources of income.Some forms will come in the mail, while others can be retrieved electronically. Just be sure to collect them all before you file.Lisa Greene-Lewis, a CPA and tax expert from Turbo Tax, suggested keeping a folder by your mail so you can instantly drop the paperwork in and keep everything in one place.It's also helpful to keep an updated log throughout the year for things like mileage and charitable donations that you plan to claim on your return.7. ProcrastinatingTax season comes every year, there's no escaping it.While the actual deadline may vary (read why here), you know you have to send in your taxes every April. Yet many Americans scramble to get their returns in.By waiting until the last minute, you increase your risk of mistakes.8. Not filing a returnNot everyone has to file a tax return. But even if you don't have any tax liability, it could be in your best interest to file anyway.The IRS will only issue refunds to filers. So if you had too much federal taxes withheld from your paycheck or are eligible for other credits, you have to file a return to get the money.Earlier this month, the IRS said it had .1 billion in unclaimed federal income tax refunds for around 1 million people who didn't file a tax return in 2014.  3747

The affected Ben & Jerry’s Coconut Seven Layer Bar bulk product is sold in a tub containing 2.4 gallons with a Consumer UPC of 076840104246 and best by date of SEP1520BJ4. The affected Ben & Jerry’s Chunky Monkey pint is sold in a pint tub (473 mL) with a Consumer UPC of 076840100354 and best by dates of AUG2820BH2, AUG2920BH2, or AUG3020BH2. 360