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Hey @gwenstefani thanks for saving my 2020... And the rest of my life.. I love you. I heard a YES! pic.twitter.com/mAgbbUtSlx— Blake Shelton (@blakeshelton) October 27, 2020 181

Giving your time is the most generous gift that anyone can give.  It’s also essential to many of San Diego County’s causes, and great for developing community. Giving your time is the most generous gift that anyone can give. But where do you begin to find the right opportunity for you? The easiest way is to connect with what matters to you. There is always some way to give back that’s meaningful to you. ?    Animals 462

Happening now LIVE! Celebration of the certification of the eradication of wild #polio in the @WHO African Region at #RC70AFRO.https://t.co/EJ5EgB44LV— WHO African Region (@WHOAFRO) August 25, 2020 205

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

Here's a heartwarming story on a cold winter day.On Thursday afternoon, the Norton Fire Division in Northeast Ohio received a call regarding a dog that had fallen through a layer of ice and into a pond. Within minutes of receiving the call, crews arrived on the scene and jumped into action, Norton Fire Chief Mike Schultz said. "We had no idea what we were getting into until we showed up," Shultz said.Norton firefighters came prepared. As soon as their truck's wheels stopped rolling, firefighter Dwayne Marty jumped in the water after the dog. On the way over, Marty had donned a Mustang Suit, a specially designed jumpsuit for cold water ice rescue. The suit allows a firefighter to crawl over ice with special spikes embedded on it. "Anytime you get into a cold water situation, it can become deadly pretty fast," Schultz said.Marty was able to reach the dog just in time.Assistant Chief Mike Copen and firefighters Josh Lepley, Marcus Council, Brandon Earnsberger and Elliot Dunaye helped pull Marty and the dog back to land with a rope."It's a feel-good story. There is so much ugly stuff we do and see," Marty said. "We train for this all the time, it was unbelievably smooth." The dog's rescue put a smile on the faces of its owners and the rest of the crew.Firefighters were especially thankful everything worked out."The guys have been laughing and carrying on all afternoon," Marty said. 1448

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