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At the age of 22, Purdue University graduate Andrew Hoyler accomplished his goal of becoming a pilot. But in doing so, his debt took off. He took on 4,000 in student loan debt. “It was tough to look forward to the future, just because 4,000 clouding over your head is not something that anyone wants,” he says. As a new pilot, he brings less than ,000 a month after taxes. Yet, less than two years after he graduated, he's been able to pay off more ,000. “Looking back, it's crazy that it's already come this far and that I’ve been able to pay off this much, but it hasn't been without sacrifice,” Hoyler says. Those sacrifices include living at home with parents, skipping out on vacations with friends and using a large chunk of a ,000 signing bonus to pay down his debt.“It was a little rough putting most of that towards the student loans,” he says. “But here today, I'm happy I made that decision and didn't go out and buy a new car.” Hoyler says he also uses his tax refunds to help pay down his debt. It's something anyone who gets a refund can do, whether it's for student loans, car payments or credit cards. “For many Americans, the biggest windfall they get all year is a tax refund, so this time of year, that is a great opportunity to really take out a big chunk of your debt,” says Arielle Oshea, a personal finance expert with NerdWallet. Oshea says for Americans struggling with debt, taking small steps like cutting cable, skipping eating out or not going shopping can add up.“Small amounts seem like they're going to be a drop in the bucket compared to your debt balance in many cases. But when you add them together and you make a cut here and make a cut there, and you maybe bring in some extra income, all of that adds up and it can very quickly lead to you being able to make bigger payments on your debt every month,” Oshea says. As Hoyler proves, small sacrifices can lead to a big payoff. 1940

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New transportation options are showing up in cities across the country, including shareable bikes, electric scooters, and now mopeds are even starting to compete for street space.However, with all these new electronic transportation options there are safety concerns. Starting this weekend, 400 electric mopeds will be hitting the streets of Washington, D.C. One thousand of the mopeds are already available for rent in New York City. The company behind these electric mopeds, Revel, plans to expand to other cities. “The benefit is really simple. The way you have to think about it: this is almost always at least half the cost of Uber and Lyft and twice as much fun,” says Paul Suhey with Revel. They're part of a growing number of transportation options people can rent by using their cell phone app. Most major cities already have electric scooters and bicycles. Last year in the U.S., people took 84 million trips on bikes and scooters, according to National Association of City Transportation officials. However, the influx of rides is causing safety concerns, with some concerned the vehicles will add to the congestion on the road. “If you're having to be aware of either a cyclist, a scooter rider, now a moped rider, who may go in between cars, you have to be careful and watch out for each other as you're using these different modes of operations,” says Jeanette Tejeda de Gomez with AAA. She says research shows moped riders are more likely to be injured or die than those walking, biking or driving a car. However, Revel says helmets are included with each rental, riders have to be at least 21, have a driver's license and they screen the rider's driving record. “From our first couple months operating in New York, in over 300,000 rides, 99.99 percent have happened without incident, and we understand that safety record doesn't happen by accident,” Suhey says. Whether or not you’re ready to see these mopeds in your city, there’s no doubt on-demand transportation is now a driving force for new ways to get around. 2047

Food is a basic necessity, but getting access to that food, doesn’t always come easy. “I have been using SNAP off and on for about 13 years,” SNAP recipient Andrea said. Andrea is on food stamps. SNAP – the government’s “Supplemental Nutrition Assistance Program” – is the country’s largest nutrition assistance program. “I did not have any family to support me, I had lost my job, and I had a child with a lot of health needs. So I was in a place of needing to provide food for my family,” Andrea said. At one point in her life, Andrea says she was budgeting a week for groceries. It wasn’t enough to support her whole family. “I had this moment where I just kind of sat on the kitchen floor and realized that I could allow myself to go hungry, but I couldn’t let my kids. And it had reached the point that I was afraid that was going to happen,” Andrea said. So, she applied for SNAP once again. Andrea is one of nearly 40 million Americans currently using the program.“It provides individuals and families who have lower income with access to food benefits on a monthly basis. It’s transferred on an electronic benefit card, that can be used just like a debit card at a grocery store,” said Karla Maraccini, the Division Director of Food and Energy Assistance Programs at Colorado Department of Human Services. The Colorado Department of Human Services is preparing for a change to the SNAP program, expected to go into effect April first. “A proposed rule was finalized regarding requirements for able-bodied adults without dependents. These are adults that are age 18 to 49 who do not have a dependent child in their care under the age of 18,” said Katherine Smith, the Division Director of the Employment of Benefits Division. Under current rules, able-bodied adults can only receive three months of SNAP benefits in a three-year period if they work less than 20 hours a week. However, there has been an exception to that rule. “Based on unemployment rates and other economic factors, states have been able to get waivers so that those able-bodied adults without dependents did not have to meet those work requirements,” Smith said. The administration’s change will make it more difficult to get approval for that waiver. The Agriculture Department estimates it would cut benefits for roughly 688,000 SNAP recipients, which in turn would save the federal government around .5 billion over five years.On Twitter, Secretary of Agriculture Sonny Perdue explained why he thinks the country will benefit from the change. He tweeted “the USDA’s rule lays the groundwork for the expectation that work capable Americans re-enter the workforce, where there are currently more job openings than people to fill them.” Secretary Perdue says the program was intended to provide assistance through difficult times, not as a way of life. Andrea argues the situation is isn’t so simple. “If you aren’t eating enough, then you can’t be healthy enough to even work,” Andrea said. She says SNAP is already a work-support tool that ensures families access to nutritious foods so they can focus their energy on supporting their family. Since she has children, she won’t personally be impacted by the SNAP change, but she knows quite a few people who will be. “I think that you should know that there’s a very good chance that you might know somebody.”  3364

PARADISE, Calif. – Parts of California are going dark and some people are taking it personally. “It’s like a slap in the face,” said Paradise, California, resident Jonathan Valdez. “It’s like we have to keep suffering over and over again.” Valdez stocked up on gas for his generators after Pacific Gas and Electric warned it could shut off power to almost 200,000 people across the state in an attempt to lower the risks of wildfires. “Gas went up so I’m kind of sweating it a little bit,” Valdez said. “It’s another extra dollar for each can and we have to do this every day.” Several businesses say the power shutdowns have hurt their sales. “People can’t work, people can’t pay their bills,” said a worker at the local gas station. “And people up here in California, we live paycheck to paycheck.” The employee says the gas station lost products without electricity. She added many feel in the Northern California community that they’re being targeted by the power company. “A lot of people think they’re doing it to get back at the people of Paradise,” she said. Getting back because several people are now suing PG&E after investigations found their equipment started the Camp Fire – the most expensive and deadly wildfire in California history. Paul Moreno of PG&E says these planned power outages aren’t happening out of revenge – they are happening to keep cities and citizens safe. “No. No. There’s nothing like that. This is being done for public safety,” Moreno said. “Last time we did a public safety power shutoff, we found 100 cases of damage caused by high winds to our powerlines any number of those could have started a fire. With the high winds it could have been catastrophic.” These potentially catastrophic conditions have first responders on high alert. “It’s really flammable and fire is really dynamic,” said Rick Carhart of Cal Fire Butte County. Carhart says Cal Fire has increased staffing after issuing a Red Flag Warning – adding people need to take safety into their own hands. "You need to have 10 feet of an area around the generator down to bare dirt," he said. Having a plan in place, just like the local schools. After closing classes for three days during another power shutoff, Paradise Junior and High Schools aren’t taking any chances this time. Staff will use lanterns to light classes and plan on running generators to access the internet. “That may sound strange, but we ran a school out of a hardware store last year,” said Larry Johnson, Principal at Paradise Junior & Senior High School. “So, a couple of lanterns, you know, we got this.” Town officials, however, aren’t as optimistic. “There’s not a lot we can do about it,” said Paradise Mayor Jody Jones. “We don’t even have generators that the town has.” Jones isn’t pleased with PG&E. And after seeing much of her city go up in flames, she’s now calling them out – saying PG&E should have spent more money on maintenance. “I think there’s a lot of evidence that they haven’t been doing the maintenance that they need to do doing,” she said. “I wish that they would have invested in their system.” When the power did go out in Paradise, some had their own systems in place. Nicki Jones of Nic’s Food, Beer and Wine bought a generator to keep her business up and running. Saying it’s an investment for both her and her customers. “We’re able to serve the community,” she said. “We open up at 7 a.m. We serve coffee and we have a gathering place for the community.” Those looking to travel out of this community, however, may have a hard time. “Everything else is closed,” a local man said. “So, I’m going to have to get gas in Chico.” Back at the local gas station, people found the doors chained up and pumps shutdown. “It’s a big inconvenience going down to Chico,” the man said. “Everything in Magalia is closed and everything in Paradise is closed.” But despite the hardships, people are staying positive during these planned power shutoffs and seeing light in this time of darkness.“We’re Paradise strong,” Jody Jones said. “We’re pioneers. We can do it.” 4113