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FORT LAUDERDALE, Fla. — A family is suing over the fatal December shooting of a Florida UPS driver who was taken hostage by two robbers and killed in a torrent of gunfire after he and the suspects got stuck in rush-hour traffic. Attorneys representing the two young daughters of driver Frank Ordonez filed the lawsuit in Broward County on Wednesday. They say officers from several agencies acted negligently when they opened fire on the van when he got stuck in traffic. The Dec. 5 gun battle happened on national television after a long chase. Ordonez, the two robbers and a nearby driver all died. The police agencies declined comment Wednesday. 655
Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

FLORIDA — Kratom is a natural plant native to Southeast Asia that has been used in the region for decades, but it's fairly new to the United States.Some people say it's helped them in reducing pain and has helped addicts recover. But others say it's dangerous and could even be deadly. Experts said it's been linked to deadly overdoses. The Drug Enforcement Administration (DEA) identified 15 deaths connected to Kratom from 2014 to 2016. The FDA records at least 44 Kratom related deaths in the last decade. One of these deaths is 27-year-old Christopher Waldron. His mother, Laura Lamon says he was her only son and the love of her life. On July 17th, 2017 she got a call from Tampa police. “He [investigator] said your son is deceased. I lost it. I just started yelling and I don't remember much after that,” Lamon said. Lamon thought that he had overdosed on narcotics, but a month later she received an autopsy report that indicated the cause of death was intoxication by Kratom, and strictly Kratom, according to the Hillsborough medical examiner. "I was shocked and then when I got it. I thought, 'What is this?' I had found some things in his room and I saw the packages of what he had taken but I didn't know much about it,” Lamon said. Director of SalusCare Steven Hill says one of the biggest dangers with Kratom is that it’s not regulated or monitored. “You never know exactly what you're getting. Anything could be in the packaging. There could be different levels of the active substance,” Hill said. Lamon believes that if the plant was properly labeled, her son would have survived. “There was no label on it at all. it didn't have a dosage amount, didn't have a warning label, didn't say don't mix it with this or that, if you have this condition, or whatever. a bottle of Tylenol has that on there,” Lamon said. She says that it is so devastating because her son didn’t want to die. She doesn't necessarily want to see Kratom banned, but thinks it should be researched and much more regulated.“It absolutely should be banned, it’s like playing a game of roulette,” Steven Hill, director of SalusCare, said. Adrianna Marrone, manager of Up in Smoke in the Cape says Kratom came to the U.S. recently, and now it’s one of their best sellers. “Just to help with the aches and pains and anxiety and depression,” Marrone said. A former addict, Amanda Raska, says that Kratom helped her overcome drugs. “He told me about Kratom and that day I tried and I never touched another pill, it literally saved my life,” Rasksa said. Raska said she started using Kratom five months ago when a friend who was also an addict told her about it. Before using the plant, she couldn't get out of bed without taking prescription pills. “It was a horrible life, I have 5 kids so i could not even take care of my children,” Raska said. She said that she grew up around addicts and has an addictive personality, but said Kratom isn’t addicting. If she goes without it, there’s no symptoms of withdrawal.Steven Hill says that he saw firsthand how people react to the drug. “It’s happened on our detox where people are coming in and the issue is with Kratom,” Hill said. Hill said the experience of taking Kratom can be described as a quick down feeling followed by hallucinations and visualizations. In 2016, there were less than 100 poison control calls regarding the drug, and by the middle of 2018, the number of calls were approaching 700. “So we're seeing more and more use and we're seeing the health concerns and health issues also go up. ER visits spiked,” Hill said. In August 2016, the DEA announced an intent to ban Kratom, but after strong reaction from the public, it was labeled as pending analysis. “We've seen and heard of people who have very bad reactions. people who have had to be hospitalized,” Hill said. 3982
For the first time in roughly four months, weekly jobless claims in the U.S. have risen. The Department of Labor’s latest reports shows 1.4 million people filed new jobless claims, compared to 1.3 million people the week prior.“People are overwhelmed by the news. They are overwhelmed when they see that a million extra people just filed for unemployment,” said Sarah Johnston, a job search strategist.Johnston runs the company Briefcase Coach and specializes in helping people find work in this job market.“The good news is my clients and I know from looking at LinkedIn’s update, people are getting jobs,” said Johnston.Finding a job right now, with such high unemployment, is not easy. It is competitive but--as Johnston teaches in a course with LinkedIn-- if you search in the “hidden job market,” you’ll find better success.“The hidden job market is all the jobs that are unadvertised online,” said Johnston.These jobs may be unadvertised because an employer may be planning a promotion or expanding but hasn’t announced that yet. If you can get to know the hiring manager before new jobs post, you have a better chance of topping their list of candidates.“Tip number one is to understand what your options are. You really need to know your target companies, who hires people like you for work that you want to do,” said Johnston.She recommends creating a “target list” of the companies you want to work for and find out who are the hiring managers.Then, move on to tip number two, which is seeing who in your existing network may know or have connections to those managers or someone in that list of companies.“The final tip would be to not be afraid of being proactive in your job search and making contact or reaching out or getting an introduction to a hiring manager at your dream company or companies on your target list,” said Johnston. “It only takes one conversation to change the entire trajectory of your job search.”Johnston’s in-depth course on navigating the hidden job market is available on LinkedIn. It is one of many courses being offered by job search companies to help millions of Americans find work again. 2140
Former United States President George H.W. Bush was honored with a state funeral Wednesday, drawing about 3,000 political figures, world leaders and family members to the National Cathedral in Washington, D.C. Numerous speakers marked the occasion with shared memories and kind words for the departed 41st president. PHOTOS: State funeral for George H.W. BushHere's what they had to say. 430
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