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INDIANAPOLIS — If you're one of the millions of people struggling to pay back your student loans, you know there's no easy solution. At least, not by yourself. But a crowdfunding app called Givling has pulled together hundreds of thousands of people across the country. Their ultimate goal? To be able to pay off a student loan every single day. While they aren't quite there yet, Givling has grown significantly over the past year, and they've given out more than .5 million in loan and mortgage help to people across the country. One person Givling has helped is Indiana University graduate Erin Smith, who says one big win on the app enabled her to put a down payment on a home for her and her little girl. "I first heard about Givling on the news, when one of the first loan payoffs was a guy in Indy a couple of years ago," Smith said. That Hoosier winner she is referring to is Jordan Shelton. He won ,407 in July 2017 to pay off his student loans. Shelton was just the second person to have his loans paid off by the crowdfunding app, which has now funded more than 35 loans and paid out thousands of dollars in trivia and random prizes."I downloaded it and began playing, participating at that time," Smith said. "My main goal was to get into the funding spot someday. I have a decent amount of student loan debt, that seems a bit overwhelming."And that's still a goal for Smith, but while she works her way up the queue toward the winner's circle, playing Givling proved to be more than just a chance at student loan relief — it helped her start her new life with her 3-year-old daughter. "I never thought of winning via trivia because I wasn't very good," Smith said. "I watched as Givling was growing, gaining more momentum, then started telling everyone who would listen about it. Most people wrote me off or called it a scam, but I got a few people to sign up. In October of last year, I was at work telling people about Givling and playing my free plays on my break. That's when I noticed I was on a team with high scores. My score was only 360, and the other two players each had a score of 10,250. That put us in first place for that week's trivia."That score was enough to win Smith and her two randomly paired trivia teammates a cool ,391 each. With the money she won from playing trivia on Givling, Smith was able to close on her first home last month. "I received a check a few weeks later," the mother said. "At the time I had been saving up for a down payment to buy a house," Smith said. I'm a single mom ... My No. 1 goal was to get us a home of our own. The money I won went toward that goal."I still play daily and still have hope of getting into the funding spot or random draw to have my student loans paid off. I love Givling and love what they do."Smith isn't alone, Hoosiers from Avon, Indianapolis, Frankfort, Lafayette and South Bend are just some of the thousands of winners who have won cash prizes and paid off all or some of their student loans by playing trivia on their phone. Givling has paid out more than .5 million to users since it started in 2015. The app isn't like most online games with big prizes. Each player gets two free games per day. Users have the option to purchase "coins" to play extra trivia games, but you don't need to buy anything to win. "I started playing Givling about a year and a half ago," Purdue University graduate Amanda Jeffries said. "I saw a few posts on Facebook from an old high school classmate and looked into it and decided to join. I didn't play a lot at the beginning, but then I started to play daily."For each ,000 loan that's paid off, Givling also chooses two random winners who each get ,000. That money can either go toward your student loans or your mortgage. Jeffries isn't at the top of the queue to get her loan funded and she didn't win at trivia, but she did win that ,000 just for being a Givling member and playing her free plays each day. She found out she had won after receiving a surprise phone call. "I was very excited to get the call," Jeffries said. "I ignored the first call since I didn't know the number and I was at work. They called right back, so I answered that time."Jeffries chose to put that ,000 toward her student loan debt, which she says is a lot more manageable and a lot less daunting now, thanks to Givling. "It helped bring my loan balance to just over ,000. So obviously, not having to worry much about that loan is wonderful," Jeffries said. "We're going to pay the rest of mine off quickly, then focus on my husband's loans."That's the premise of Givling; the startup has dedicated itself to stamping out student loan debt one student at a time. Givling is funded through partnerships, ads, games and "coin" purchases made by members. Those coins can be used to play more than the two free trivia games you get each day. The app has nearly 400,000 registered users, which may seem a little daunting if you're just jumping in. But Seth Beard, chief marketing officer for the company, says the queue is only one part of what they do. "We encourage new users to focus on the big weekly trivia cash prizes as well as the ,000 random drawing," Beard said. "The queue is not a sprint, rather a marathon, and will take time to climb. While the trivia cash prizes and random drawings are more frequent and someone who joins today can, essentially, take advantage of those right away."Just this week, Givling awarded more than ,000 in trivia prizes, completed funding on a ,000 student loan and awarded a ,000 prize for the random drawing. "As we continue to grow, we'll expand the prizes. There will be more frequent random ,000 drawings, and we may have two or three trivia cash payout periods through the week instead of just one. Therefore, more prizes for new users," Beard said. "Plus, the past two weeks have had trivia winners with a score of just 10 points, or one question right. You never know how the computer will pair the team since it's all random."For more information visit the 6092
In Newtown, Connecticut, December 14 is normally clouded with sadness. It's the anniversary of the 2012 massacre at Sandy Hook Elementary.But this Saturday — the seventh anniversary of the tragedy — ended with jubilation because the Newtown High football team rallied in the final seconds to win the Class LL state championship.Playing on a foggy field, the Newtown Nighthawks trailed Darien as the clock wound down, but quarterback Jack Street connected with receiver Riley Ward for a 36-yard pass to win the game 13-7, 533

In honor of Father's Day, Budweiser released an advertisement this week that honors stepdads who have stepped up to become amazing fathers. The advertisement follows the story of three adult stepchildren and their stepdads. They discuss what it was like growing up with their stepdads. Near the end of the advertisement, the stepdads were offered adoption papers in order to remove the "step" title from the dads' name. According to the advertisement, Budweiser will make a donation to the Stepfamily Foundation for every time the video is shared on social media through Father's Day. According to the Stepfamily Foundation, it offers "counseling for the stepfamily/blended family, divorce counseling, remarriage counseling and stepfamily certification seminars." 778
If you’ve got a felony warrant for your arrest, the cops are looking for you and you pass gas so loud it gives up your hiding spot, you’re definitely having a ?? day. #TuesdayThoughts ?? #ItHappened pic.twitter.com/BGJoPNKr3n— Clay County Sheriff (@SheriffClayCo) July 9, 2019 288
Katelynn Hudson started working at a fast-casual restaurant when she was 18 years old. It was her income as she tried to get herself through school, but minimum wage was not enough for her daily needs.“I was not able to afford food for myself," she says. "I could not pay my rent, I couldn’t pay bus fare. It was very difficult, and if I couldn’t provide for myself. I wouldn’t be able to provide for a family."Hudson now has a 2-and-a-half-year-old son, and she says she wouldn’t be able to support him if it wasn’t for a recent change in her pay. Illegal Pete’s in Denver, Colorado has raised its minimum wage from to within the past three and a half years, transforming that minimum wage into a living wage.“It covers lodging, food, paid time off, education, savings, basically the ability to pay one job and plan for the future,” Illegal Pete’s owner Pete Turner said.However, it doesn’t come without a cost. “The biggest challenge is an immediate hit to your expense line, to your payroll line,” Turner said.Turner says the last time he raised employee pay it cost him about million. However, he sees it as an investment. The idea is to create a productive work environment, where people are more committed to the customer and the company. Pete says he’s saving money by not having excessive employee turnover.“The rule of thumb for losing a front-line worker and then having to rehire and retrain is like ,500 to ,500 an employee,” he says.Growing in store count and store volume with workers who stay, Turner says his decision to raise minimum wage has been worth it so far. But he does admit it hasn’t been easy. And for some small business owners, the idea while appealing, seems unrealistic.“Everyone, I think, can agree that the minimum wage [needs] to be higher," says business owner Erika Righter. "However, in order for that to work, people need to then prioritize shopping locally."Righter is the founder of Hope Tank in Denver. Everything the store sells is connected to a local grassroots organization, giving Righter a lot of experience with small businesses.She says she would love to pay her workers more, but she thinks there’s a disconnect between the priorities of community and the way people spend their dollars.“I think you can’t shop Amazon all the time, and want the minimum wage raised,” she says.According to Righter, many local businesses pay their employees before themselves. She says there simply isn’t enough profit to pay them more, making an increase in minimum wage a bit of a concern.“As the owner, I struggle to stay above water financially myself,” Righter says.Robel Worku works for Colorado People’s Alliance, an organization that fights for justice in economic issues.“I think the argument is that if those costs go up, it’s harder to keep their doors open,” Worku said.Worku says COPA was recently able to help get a Colorado bill passed that gives authority to local governments to increase minimum wages.“The federal minimum wage has stayed stagnant at around .25 for the past 10 or so years, and even beyond that hasn’t raised much within the past few decades,” Worku said.Numbers from the U.S. Department of Labor show there was a steady increase in minimum wage from 2007 to 2009, raising it by a .40, but there hasn’t been a raise since. And before that, the last raise was 10 years prior in 1997. Worku says his organization believes everyone should be afforded the right to earn a livable wage, which is around per hour in Denver, Colorado. However, he understands that number changes from city to city, making it difficult to assess a specific amount for the federal minimum wage.“I don’t know if there’s like a gold-standard number in mind, but one of the reasons we’re excited about the local wage option legislation is that it allows local governments to make those decisions for themselves,” Worku said.So far, Worku says places that have raised minimum wage like Seattle and Chicago have seen an economic boost in the local economy. “So for instance, if you run a restaurant or a bar, you rely on folks having a disposable income to be able to come spend,” he explained. For Hudson, having a disposable income is a new comfort in her life. She says she’s very happy she can provide for her son and that money isn’t a giant cause of stress anymore.“This is the first time in my life I have seen stability, and that’s really amazing for me to think of,” Hudson said. 4457
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