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Target is recalling Room Essentials 4-drawer dressers due to tip-over and entrapment hazards.According to Target, the recalled dressers are unstable if they are not anchored to the wall, posing serious tip-over and entrapment hazards that can result in death or injuries to children. Target has received 12 reports of dressers tipping or collapsing. The recalled dressers have been sold in three colors and measure 41 7/8 inches tall by 31 ? inches wide by 15 11/16 inches deep. Model number 249-05-0103 (black), 249-05-0106 (espresso), or 249-05-0109 (maple) is printed on the product’s packaging.The dressers were sold at Target stores nationwide and online at Target.com from January 2013 through April 2016 for about 8.Consumers are being asked to immediately stop using the recalled dressers and return them to any Target store for a full refund.For more information, you can call Target at 800-440-0680 or go to www.Target.com and click on “Recalls” at the bottom of the page, then “Furniture” for more information, or the “Product Recalls” tab on www.Facebook.com/Target. 1124

TAMPA, Fla. — A fallen deputy in Highlands County, Florida will save at least six people by being a registered organ donor.Deputy William Gentry Jr. died at Lee Memorial Hospital on Monday afternoon. He was shot by a suspect while responding to a call in Lake Placid on Sunday. 290

Tesla says Tuesday it wants to raise up to billion in capital through a stock offering. The move came the same day that CEO Elon Musk said he has moved from California to Texas. The stock offering is the second for the company in three months. In September Tesla said that it planned to sell up to billion worth of common shares just one day after its 5-for-1 stock split took effect.According to the Associated Press, 10 different brokerage houses will sell the stock offerings, and each will get up to a 0.25% commission. Musk told The Wall Street Journal in an interview that he has switched states, saying that California is complacent with innovators and has taken them for granted.According to the AP, earlier this year, Musk threatened to relocate Tesla’s Palo Alto, California, headquarters and future manufacturing to Texas over a spate with county officials on whether Tesla’s San Francisco Bay Area factory should stay closed due to coronavirus restrictions.Next year, Tesla is scheduled to roll out its new “Cybertruck” pickup and a semi. 1064

Synthetic weed tainted with rat poison has made its way to Milwaukee and it’s been linked to at least three illnesses in the city in 24 hours. Dr. Jon Meiman with the state health department says the effects of the fake drug can be “unpredictable,” with side effects ranging from nausea to seizures and even death. "The synthetic cannabinoids that we're seeing here are causing severe bleeding, and that's very unusual,” Meiman said. The synthetic pot can be found at gas stations and other convenience stores sold under names like K2 or Spice. The drug is meant to minim the effects of marijuana but can be far more dangerous. "They work on the same parts of the brain that marijuana does, but they can have very different effects depending on the specific chemicals," Meiman said. The health department says it’s sent two people to the hospital in Milwaukee. In nearby Chicago, the poison-laced product is linked to three deaths. Health officials are trying to trace the source of the rat poison-synthetic pot.  1061

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 <云转化_句子> 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

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