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HONG KONG — Hong Kong Disneyland Park is closing temporarily following the city’s decision to ban public gatherings of more than four people because of the coronavirus pandemic. Disney officials posted on the resort’s website that the Hong Kong park was closing Wednesday until further notice. The resort’s hotels will remain open with adjusted levels of service. Hong Kong’s leader, Carrie Lam, announced new coronavirus-related restrictions Monday and she urged the private sector to put in place work-from-home arrangements for employees. The Hong Kong park and Shanghai Disneyland closed in January because of the virus. Shanghai Disneyland reopened in May, as did the Hong Kong park last month. 707

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

From pond to pin! Rahm skips to a hole-in-one on No. 16 at #themasters pic.twitter.com/JNNPWgW9OP— The Masters (@TheMasters) November 10, 2020 150

Good Samaritans and authorities rescued a couple in their 70s whose vehicle crashed into a Long Island canal following a collision with another vehicle Monday.Police say it happened when a Ford pickup truck and a Subaru were involved in a motor vehicle crash at Venetian Promenade and Montauk Highway in Suffolk County, New York. When the Subaru backed up following the crash, police say it collided with a Mercury.The Mercury crashed through a fence and fell into a canal.Video shows the moment the car was partially submerged in the water.Five good Samaritans and two Suffolk County police officers jumped into the water to rescue the couple.Joseph Abitabile, 78, was driving the Mercury. He was rescued from the vehicle, along with his wife, Delores, 76, who was unconscious.An off-duty Lake Success police officer administered CPR, restoring the woman's pulse and breathing back to normal.The Abitabiles, one good Samaritan, the two Suffolk County officers and the driver of the Subaru were taken to a local hospital for treatment of non-life threatening injuries. The driver of the Ford was not injured.This story was originally published by Corey Crockett at WPIX. 1178

Health departments around the U.S. that are using contact tracers to contain coronavirus outbreaks are scrambling to bolster their ranks amid a surge of cases and resistance to cooperation from those infected or exposed. With too few trained contact tracers to handle soaring caseloads, one hard-hit Arizona county is relying on National Guard members to pitch in. In Louisiana, people who have tested positive typically wait more than two days to respond to health officials — giving the disease crucial time to spread. Contact tracing tracks people who test positive and anyone they’ve come in contact with. It was challenging even when stay-at-home orders were in place, but it’s exponentially more difficult now. 724

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