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President Donald Trump and Former Vice President Joe Biden are squaring off for the first presidential debate in Cleveland. But do debates make a difference when it comes to the actual result? DEBATE HISTORY The first presidential debate between general election candidates on television was in 1960. Immediately, there was an impact with viewers reporting they felt Richard Nixon looked ill compared to the young Sen. John F. Kennedy. Nixon elected to not wear makeup and often had a sweaty lip during much of the debate, while Kennedy wore makeup. The next presidential debate didn't happen until 1976 when sitting President Gerald Ford delivered the first major gaffe in a debate. Ford claimed, "there is no Soviet domination of Eastern Europe." At the time, all of Eastern Europe experienced some influence from the Soviet Union. Humor has often been used in debates as well. In 1984, President Ronald Reagan was criticized for his age during his reelection campaign. Reagan responded to the moderator's question by saying, "I want you to know that also I will not make age an issue of this campaign. I am not going to exploit, for political purposes, my opponent's youth and inexperience."IMPACT ON RESULTSHowever, since 1984, there are few examples of debates dramatically shaping the race. In every election, except 2000 and 2016, the candidate leading going into the debate ended up winning the presidency. As a result, more articles have been written like this in recent years: "Debates don't matter the way people think they do." 1549

President Donald Trump said Tuesday North Korean dictator Kim Jong Un "has really been very open and I think very honorable based on what we are seeing" as the two gear up for an anticipated face-to-face meeting in the coming weeks.Trump said he is looking forward to meeting Kim "very soon" and indicated the North Koreans are pressing for talks to begin immediately."We are going to be having a meeting with Kim Jong Un and that will be very soon. We have been told directly that they would like to have the meeting as soon as possible," Trump said. 559

PRAIRIE VILLAGE, Kan. — A Kansas City area family is celebrating a big win. They paid off more than 0,000 in student loan debt in a little over six years.Ashlyn Yarnell accumulated the debt in the process of becoming a family law attorney."That was my calling. That's what I knew I wanted to do, and that was the path to get there," Yarnell said.Because she attended college and law school on the heels of the recession, a lot of scholarship money dried up, leaving student loans as the only option."I did everything I could think of. I worked jobs, I lived with friends, lived with family when I could," she said.By the time Yarnell graduated, her debt total came to 0,500.Paying it all off seemed daunting at the time, but Yarnell and her husband, Drew, immediately got to work. They shared advice for others starting their debt journeys.Study your debt"It's like tackling an opponent. You've got to study that, you've got to learn about all the options you have to get rid of it," Ashlyn Yarnell said.She created a spreadsheet to track the balances of her loans and the total paid each month."We had a plan right out of school, how many years it was going to take, how we were going to handle this," Drew Yarnell added.Flexibility with that plan is important, as Drew said it took them slightly longer than they anticipated to pay off the debt.Consider refinancingWhen Ashlyn began paying off her loans, the interest rates were all over the map."Some were a low 2 percent interest rate," she said. "Some were as high as 10 percent."By refinancing, she was able to get the average rate down from 6.8 percent to 4 percent.Those considering refinancing student loans now should keep in mind payments on federal loans have been suspended interest-free through the end of the year."You really need to think twice about refinancing a federal student loan because you lose those benefits," said Brian Walsh, manager of financial planning for SoFi, the personal finance company Ashlyn used for refinancing.The Yarnells also refinanced their home in the spring to help with final loan payments.According to Walsh, there are some important factors to consider before taking that step. Look at the closing costs first."How many months is it going to take me to recoup those costs, and am I going to live in this house long enough? Otherwise refinancing your home might not be a good idea even if it is a lower interest rate right off the bat," he said.Celebrate small milestonesAt the start of the couple's repayment journey, the daily interest rate was ."Every day I imagined handing my lender a bill in addition to everything I already owed, and that was unacceptable to me," Ashlyn said.She and Drew celebrated as they were able to knock down that daily interest rate, eventually reducing it to just ."You don't have to wait until the very end to enjoy knocking off a certain number," Drew Yarnell said, "If you get to a milestone, I think it's important to celebrate it on the way."Be sure to set small goals within the long-term plan."You break it up into microgoals, and it helps you stick to it and kind of hit the reset button once you hit that goal a couple months down the road," Walsh said.The Yarnells reached their finish line in May, when Ashlyn submitted her last student loan payment."I was screenshotting everything. My husband was taking pictures," she said, "And there were not even tears, it was sobs of relief."With interest factored in, the total came to nearly 4,000.The couple wanted to take a trip to celebrate, but COVID-19 interrupted those plans. Instead, Ashlyn wants Drew to pick out something for himself since he came along on the debt repayment journey with no complaints."He is a total team player," she said.The Yarnells also started education funds for their two sons, Charlie and Jack.Here are some other tips from SoFi for paying down debt:Figure out your monthly spendingUse a budgeting app to stay on trackConsult an expert if developing a plan on your own is too difficultDon't be afraid to talk about your debtThis story originally reported by Cat Reid on kshb.com. 4126

POWAY, Calif., (KGTV) — Six days after the City of Poway issued a Boil Water Order, some restaurants are reopening, after getting special permits from the Health Department. On her first day back to work, a server at Mainstream Bar & Grill got the surprise of a lifetime when she received a ,000 tip from a regular customer. It's been a while since hungry customers walked into the Mainstream Bar & Grill. Six days after receiving Poway's food facility closure notice, Mainstream is one of a few restaurants that are reopened. Mandated by the Health Department, they now have a modified eight-item menu with ingredients not prepared on-site, a boiled water hand-washing station, and disposable cups and utensils. RELATED: Poway could face fines as water boil advisory continues"We submitted a payroll today," restaurant manager Brian Harvey said. "Employees, we want them to get back to work as quickly as possible. Especially this time of year."It's a time when a lack of cash could be the difference between holiday cheer and holiday drear. "You do really want to budget," server Sarah Klein said. "You really want to figure out what you want to do for the holiday or how you are going to spend your money, so that was scary."Klein, a six-year veteran server, was out of a job for five days. But Thursday morning, she was back on her feet. She greeted and served her regulars without a hitch. She even chatted with one of them about how the water outage was affecting her family. RELATED: Poway school district sends parents action plan after water boil advisory issuedNext thing she knew, she was given what he called a "donation.""He came back with an envelope and 00 cash was inside for me!" Klein said. At first, she did not want to accept it. But she said the donor insisted that she take it. "Poway is like a family. And they come together in times of need, and it's definitely one of those times," Harvey said. RELATED: Poway small business owners worry as boil water advisory continuesKlein says she has no idea how she will spend the money but hopes to pay it forward somehow. "Gosh, I don't know. You know, just spend it on my son's birthday, it's this month. And the holidays. So now there is so much more we can do. So I'm just really proud to be in Poway," Klein said.Klein said the donor is also a Poway resident, going through the same water crisis, which is why this gift is even more precious. The City of Poway said they are working to restore the water by Friday. 2505

PORT RICHEY, Fla. — Port Richey, Florida Mayor Dale Massad and his longtime girlfriend Caj Joseph were arrested Aug. 23 on domestic violence charges. Massad was arrested after deputies say he grabbed Joseph and pushed her to the ground.He was charged with a misdemeanor count of domestic battery which required him to spend the night in jail before his first court hearing Friday. In July, police went to Massad's house four dozen times, but he had never been charged with a crime.At the time, he blamed police activity on his girlfriends.“You look in there, see if I made any calls,” he said, pointing to police reports.Joseph, who was arrested Thursday for felony battery of a person over the age of 65, had been charged half a dozen other times for battery, violating protection orders and other crimes allegedly committed at Massad's home.“I'm a felon and I went back there and I don't want to be there,” Joseph told the judge.She also said she was unable to post a 0 bond to get out of jail.“I don't know how to get out of here. I don't have anyone I know. He's not gonna get me out,” Joseph said.Port Richey's city manager instructed the Pasco Sheriff's Office to investigate the case.He could not be reached for comment.Massad and Joseph were ordered not to have any contact with each other after they're released on bond.Massad denied the allegations and said he plans to plead "not guilty."A misdemeanor conviction would not affect his ability to serve in elected office. 1526

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