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-- and loudly trumpeted -- with the young despotic leader remains intact, the President insisted.And the summit ended amicably, without either man storming away."It was a very friendly walk," Trump said.'Closer'Still, the absence of a joint agreement reflects an anticlimax for a summit event Trump had hoped would prove naysayers of his diplomacy wrong.He conceded that US and North Korean officials remain at odds about the precise definition of denuclearization, which is the ostensible goal of his efforts."He has a certain vision and it's not exactly our vision, but it's a lot closer than it was a year ago and I think eventually we'll get there," Trump said.And he described Kim as singularly focused on ending the sanctions that have crippled his economy and helped bring him to the negotiating table in the first place.Trump said Kim had offered to begin dismantling the Yongbyon nuclear facility, a step that would have amounted to a major concession. But it wasn't enough, Trump said, alluding to additional sites that comprise what is a deeply secretive nuclear program."We asked him to do more and he was unprepared to do that," said Secretary of State Mike Pompeo, who joined Trump on stage for the duration of the news conference. "Everyone had hoped we could do just a little bit better."US and North Korean negotiators had been in Hanoi for days drafting language of a joint agreement ahead of the talks, and the ceremony was listed on a version of the President's public schedule released Wednesday evening. Stephen Biegun, the President's North Korea envoy, arrived several days before Trump to seal the document.During an expanded session with aides, Trump and Kim discussed the prospect of opening a US office in Pyongyang, North Korea's capital. Kim said he would welcome the idea, and Trump deemed it a "good idea."Yet afterward, it appeared the chances for that -- along with any other concessions or agreements -- were dashed, even as the White House insisted the talks were productive.The two leaders departed the Metropole, the French-colonial hotel where the talks unfolded, around 1:30 p.m. local time, roughly four-and-a-half hours after the talks began.They also left without participating in a working lunch, even as chefs had been preparing plates of foie gras and snow fish.Lowered expectationsIf the day ended without a triumphant finish, there were extraordinary moments peppered throughout the day.In unprecedented back-and-forth exchanges with journalists, Kim insisted he was open to denuclearization, though didn't say what he believed that meant.It's believed to be the first time Kim has answered a question from a foreign journalist, a landmark event for the iron-fisted dictator."If I'm not willing to do that I won't be here right now," he said through an interpreter.Kim, for his part, also expressed cautious optimism earlier in the day that a deal would eventually be struck. But he did not suggest such an accord would come soon."It's too early to say," he said in response to a foreign journalist's shouted question. "From what I feel right now, I do have a feeling that good results will come out."He again responded to journalists later in the day, albeit somewhat begrudgingly.The two leaders went back-and-forth over the prospect of exchanging liaison officers -- a low level diplomatic partnership -- after the issue was raised by a journalist.Initially, Kim seemed to reject the question, proposing to Trump that the media be excused from the room. But Trump seemed to goad him to answer, saying it was a good question."I would like to hear that answer," Trump said.Kim responded through his interpreter, saying it would be something that was "welcome-able."Trump expressed a similar sentiment: "I actually think it's a good idea."Kim added it would be better for Trump and him to discuss it together in private.Trump's dual objectivesTrump was 3902

With a down payment lower than 20%, private mortgage insurance is usually required. Monthly fees vary according to credit score, loan-to-value and insurer, and range from 0.55% to 2.25%. 189

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

is a necessary part of a child's life. But try telling that to Marie Dellafranca, vice president of South Shore Villas Condominium Association at West Babylon, Long Island.On May 20, she sent a warning letter to condo owners Robert and Angelica Parker. Their 4-year-old son Liam loves riding his tricycle and scooter around the grassy triangle in front of their unit."We understand that the weather has gotten nice out but unfortunately, there are rules and regulations in the By-laws," the letter read. "That it is not safe for kids to play on common area grounds. Please take this as a precaution measure so that we would not have to enforce the fine that is association with this. It is 0 per violation."The Parkers looked through 38 pages of the association's by-laws, but didn't see any prohibiting kids from playing outside. They asked Dellafranca to show it to them. She couldn't.Dellafranca later said they received complaints from one condo owner about the children of three families playing outside in a "noisy fashion." The Parkers said the two other families told them they hadn't received a letter from the condo board."It makes us question why he's the only one, considering other children play outside here all the time," said Robert Parker, who works in law enforcement. "He also happens to be the only Latino child. So that raises questions about the possible motive for something like that."Angelica Parker, Liam's mother, is from the Dominican Republic.Vincent Dellafranca, the husband of the South Shore Villas Condominium Association vice president, denies the letter was sent based on the boy's race."Don't make it racial," Vincent Dellafranca told reporters. "Everybody else was told the same thing, and they follow the rules."That's not true. Robert Parker has pictures of other family's children playing outside with Liam.Vincent Dellafranca also claimed the by-laws were written by the New York State Attorney General's office. When asked why children were not permitted to play outside, he cited the rules set up by the AG."We just follow the rules. We don't make them," Vincent Dellafranca said.A staffer for the attorney general's office denied that it had passed such a regulation."The Office of Attorney General does not have oversight of Condo by-laws," the staffer said.The Dellafrancas say they are concerned about the safety of the children playing and other members of the condo community."What if they hit somebody when they're riding or they run into somebody's car by accident?" Marie Dellafranca said.Vincent Dellafranca claimed the children ride their bikes in the condo parking lot. Not true, says Angelica Parker."I'm constantly with my son making sure he doesn't go near anyone's cars," she said.The Parkers have filed a discrimination complaint against South Shore Villas with the New York State Human Rights Division."There's nothing wrong with a child playing outside. It's part of living in a condominium. This isn't an over 55 or a senior community. Children should have the same rights here as anyone else," Robert Parker said.Liam's ability to continue riding his tricycle outside, like any other 4-year-old child, now depends on the findings of a state inquiry. This story was originally published by Arnold Diaz on 3273

after the Trump administration imposed tariffs on Chinese goods.For Mark Ulness and his family from Manitowoc County, Wisconsin, it's the one time of year their hard work in the barn gets recognized by the masses.Some dairy farmers said being at the Wisconsin State Fair is a getaway from the everyday issues their industry is facing."We make sure (the cows are) fed before we eat a lot of times," Ulness said.As a fifth-generation dairy farmer, Ulness has seen the ups and downs of the industry, but nothing quite like the challenges of the last five years."As a family farmer, it's tough to see friends and neighbors go out, but we understand the struggles that they're going through," he said.Ulness said those struggles started when dairy prices plummeted in 2014 due to a milk surplus. Tariff implications over the last few years have only made the industry's outlook grimmer.According to the U.S. Department of Agriculture, Wisconsin lost 700 dairy farmers last year. It is the topic at the center of many political debates."Some of the farmers are really doing well," President Donald Trump told a crowd in Milwaukee a few weeks ago. "We're over the hump, we're doing really well, and in the meantime our government has billions of dollars pouring in and that money is paid for by China.""The farm foreclosure capital of the United States is, unfortunately, America's dairyland, Wisconsin," said Democratic National Committee Chair Tom Perez.Heather Larson of Darlington, Wisconsin knows of fellow dairy farmers dealing with more than money issues."He had two friends already this year commit suicide because of dairy farming," Larson said.Ulness is thankful his farm is still afloat, but it's come with sacrifices."My wife has a job off the farm, and a lot of times she'd prefer just to be at the farm working," he said.This story was originally published by Ben Jordan on 1883

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