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Former President Barack Obama on Tuesday criticized President Donald Trump's decision to exit the Iran deal, a pillar of Obama's legacy on foreign policy."Indeed, at a time when we are all rooting for diplomacy with North Korea to succeed, walking away from the JCPOA risks losing a deal that accomplishes -- with Iran -- the very outcome that we are pursuing with the North Koreans," Obama said in a statement. "That is why today's announcement is so misguided."Trump announced on Tuesday afternoon that he was withdrawing the US from the nuclear agreement with Iran and said he would impose new sanctions.In his statement defending the multiparty agreement with Iran, known as the Joint Comprehensive Plan of Action, Obama cited many who support the deal, including the US' European allies, and he invoked the support of US Secretary of Defense James Mattis, who has said it is in the interest of the US to stay in the agreement."In a democracy, there will always be changes in policies and priorities from one Administration to the next," Obama's statement continued. "But the consistent flouting of agreements that our country is a party to risks eroding America's credibility, and puts us at odds with the world's major powers."The former President was joined in his disapproval of Trump's decision on Tuesday by former Vice President Joe Biden and former Secretary of State John Kerry.Biden said in a statement following Trump's announcement that the decision is "a profound mistake" and that it would put Iran on the path to developing nuclear weapons without diplomatic recourse."This wholly unnecessary crisis could ultimately put the safety of our country and our fellow citizens, including thousands of men and women in uniform serving across the Middle East, at risk by setting us back on a path to war with Iran," Biden said.Kerry condemned the move by Trump to abandon the agreement he had helped forge."Today's announcement weakens our security, breaks America's word, isolates us from our European allies, puts Israel at greater risk, empowers Iran's hardliners, and reduces our global leverage to address Tehran's misbehavior, while damaging the ability of future Administrations to make international agreements," Kerry's statement said.In the leadup to Trump's announcement, Kerry called for Trump to keep the agreement intact, and on Monday, Trump criticized Kerry on Twitter for what he called "shadow diplomacy." 2482

For those fortunate to work from home during the COVID-19 pandemic, many are finding they now have more time to commit to home construction projects large and small and everything from retiling a bathroom to a large home renovation."In many communities in the home space itself, what we’ve seen is after that initial decline and slowdown where many of these businesses were struggling, a pretty pronounced uptick now in the level of business coming through," said Nate Chai of Thumbtack. Thumbtack is an app that helps people connect with contractors and other service providers.Chai says more people are in their homes spending more time looking around at the projects they want --or need -- to get done."Pretty much everywhere we’re just using our homes more often. Things break down. That annoying leak becomes something that has to be addressed urgently," says Chai.Thumbtack has guidance for both homeowners and contractors on how to get their projects done safely during the COVID-19 pandemic. Chai encourages people to have open conversations with contractors about who the project will be completed in a safe, socially distant manner."Things like are you wearing a mask, are you bringing a crew and if so what will that crew be doing? Where will they be? Are you going to clean and sanitize the space afterwards? So those questions are really important to get squared away from both parties up front," said Chai.And for contractors, showing your clients first and foremost that you value their safety."We have professionals who, for example, have changed their profile pictures to show themselves in a mask. So, that adds that extra layer of security and awareness and understanding from the start, to proactively bring up their safety measures," said Chai.Fillip and Jamie Hord, founders of Horderly, which is a professional organizing company, are currently in the middle of a home renovation project. They have some advice for how people can safely prepare their homes for construction during a pandemic. "We actually recommended the contractors put up the plastic sheets sectioning off the room and then they can do zippers on those. That was [our] first request and Jamie has been wiping down the door handles before they come and when they leave," said Fillip Hord, who is also Chief Organizing Officer of MakeSpace.The couple also recommends decluttering and clearing out the space you want worked on, requesting contractors wear masks, stay six feet apart and wash their hands frequently. But also be prepared for your home project to take longer than expected."Instead of having 14 different contractors and three different trades in your house at one time, you're going to have the carpenter one day. The next day maybe one electrician. The next day maybe a plumber and then the plumber has to wait for the electrician to come back," said Fillip Hord.Still, they say getting the projects done right now has its benefits."Now is the perfect time to take time to get to those projects you’ve been wanting to get to for a while in your home. There’s really no better time," said Jamie Hord."From what we saw at the start of the pandemic is people sort of hunkered down. There was quite a drop in the number of projects coming through our platform but in more recent weeks, what we’ve seen is it actually accelerating pretty fast," said Chai.In fact, at the end of March, Thumbtack says home renovation projects were down 40 to 50%. Now, they're back up to normal levels. 3494

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

Four hurricane names have been retired after a devastating 2017 hurricane season. The World Meteorological Organization's Hurricane Committee determined Harvey, Irma, Maria and Nate would be retired from the committee's list of rotating names. The names have been replaced by Harold, Idalia, Margot and Nigel. Names are retired if a hurricane is particularly destructive or costly. Damages from the 2017 hurricane season exceeded 0 billion in the United States alone while several hundred people died throughout the world from hurricanes in 2017, according to WMO. The 2017 hurricane season featured three category 4 hurricanes making landfall, including Harvey, Irma and Maria. Nate, meanwhile, was responsible for 45 deaths after crossing Central America.  794

For the first time in recorded history researchers have not observed sea ice formation along the Siberian Coast of the Arctic Sea this late into the year.The region, according to researchers, usually starts generating thick layers of ice in the later part of September and early parts of October.“It was really hard to find a solid chunk of ice to freeze the ship into,” said Colorado State University researcher Jessie Creamean, who has spent the last six years traveling to the Arctic Sea to study the ice. “It was really astounding that it was so hard to find this thick ice that should be there but isn’t anymore.”In February, Creamean spent time aboard the world’s largest icebreaker ship, Mosaic, and said the changes were visible to the naked eye and not just on satellite imagery.“It’s getting warmer so we’re losing sea ice, but because we lose the sea ice it becomes even warmer,” said Mark Serreze, director of the National Snow and Ice Data Center. “It exacerbates the problem of climate change.”Serreze says the loss of sea ice has started a trend where warmer water from the Atlantic Ocean moves into the Arctic Sea and layers itself under the colder water before permeating to the surface, causing the Arctic Sea to warm at a faster rate.It also allows cargo ships to travel a route that has historically been impassable, creating geopolitical incentives for nations to try and control the region.“We’re seeing issues of tensions between the United States and Russia which, of course, is an Arctic nation starting to arise,” said Serreze. “Russia is strongly militarizing the Artic right now so there are many things that are occurring at that level because of the changes we’re seeing so it’s a great example of how climate change and geopolitics are becoming intertwined.” 1797