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Question-and-answer website Quora warned late Monday that hackers gained access to the personal data of as many as 100 million of its users.Quora discovered on Friday that one of its systems had been hacked by "a malicious third party," CEO Adam D'Angelo said in a blog post.The compromised information includes users' names, email addresses and encrypted passwords as well as data from social networks like Facebook (FB) and Twitter (TWTR) if people chose to link them to their Quora accounts.The hackers also obtained details about users' activity on Quora, such as questions, answers, upvotes and downvotes. But anonymously written questions and answers were not affected by the breach."The overwhelming majority of the content accessed was already public on Quora, but the compromise of account and other private information is serious," D'Angelo said.The site is now notifying affected users and logging them out."We believe we've identified the root cause and taken steps to address the issue, although our investigation is ongoing and we'll continue to make security improvements," D'Angelo said.Quora bills itself as "a place where you can ask questions you care about and get answers that are amazing."People can post a question to the platform like "What are some amazing facts about Apple, the company?" or "What is the ultimate sandwich?" — and see what answers other users come up with.The site's data breach is the latest in a series of high-profile hacks. 1493

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

President Donald Trump warned Tuesday that the US would "totally destroy North Korea" if forced to defend itself or its allies."The United States has great strength and patience, but if it is forced to defend itself or its allies, we will have no choice but to totally destroy North Korea," Trump said during his first address to the UN General Assembly."It is time for North Korea to realize that its denuclearization is its only responsible future," Trump said. 471

Red tide has been a serious issue in the Tampa Bay area this summer. There are a lot of questions swirling about and things that people want to have clarified. We reached out to the Florida Fish and Wildlife Conservation Commission to take on some of these frequently asked questions.What? 302

President Donald Trump tweeted early Friday morning he and first lady Melania Trump have tested positive for the coronavirus. "Tonight, @FLOTUS and I tested positive for COVID-19," Trump tweeted. "We will begin our quarantine and recovery process immediately. We will get through this TOGETHER!"The president confirmed late Thursday that Hope Hicks, a senior White House staffer who serves as counselor to the president, was infected with the coronavirus."The White House medical team and I will maintain a vigilant watch and appreciate the support provided by some of our country’s greatest medical professionals and institutions," Dr. Sean Conley, physician to the president, said. "Rest assured, I expect the President to continue carrying out his duties without disruption while recovering and I will keep you updated on any future developments."While Conley is optimistic for the president's recovery, according to CDC guidance, given Trump's weight and age, he is at an enhanced risk of complications from the coronavirus. "Hope Hicks, who has been working so hard without even taking a small break, has just tested positive for Covid 19. Terrible! The First Lady and I are waiting for our test results. In the meantime, we will begin our quarantine process!" Trump tweeted Thursday evening.Her infection was first reported by ABC News and Bloomberg.Hicks was on board Air Force One during Trump’s trip to Minnesota yesterday, and to Cleveland on Tuesday. Photos taken by the Associated Press on Wednesday show Hicks was in close proximity of several other senior staffers, including Jared Kushner, Stephen Miller and Dan Scavino. ABC News reported that Hicks was on board the presidential helicopter Marine One with the president on Wednesday. None of the staffers were seen wearing a mask entering Marine One. Earlier this week, Trump mocked his opponent Joe Biden in the presidential debate for his use of a mask."Tonight as an example, everybody had a test and you've had social distancing and all of the things that you have to," Trump said on Tuesday. "But I wear a mask when needed. I wear masks. I don't wear masks like him. Every time you see him he has a mask. He could be speaking 200 feet away and he shows up with the biggest mask I've ever seen."Trump said on Fox News late Thursday evening that he is awaiting test results to find out if he has the virus."I'll get my test back either tonight or first thing tomorrow morning," Trump told Fox News.ABC News said that Hicks was among a “tight group of advisers” to contract the coronavirus.“The President takes the health and safety of himself and everyone who works in support of him and the American people very seriously,” White House spokesperson Judd Deere said in a statement on Thursday. “White House Operations collaborates with the Physician to the President and the White House Military Office to ensure all plans and procedures incorporate current CDC guidance and best practices for limiting COVID-19 exposure to the greatest extent possible both on complex and when the President is traveling."Despite Hicks' diagnosis, Trump remained out of the White House on Thursday. The CDC states that those who have been in close contact with someone who has the coronavirus should quarantine for 14 days. Trump was originally going to meet with supporters on Friday in Washington before heading to Florida for a Make America Great Rally. Those events have been canceled, according to the White House. It's unclear how long President and first lady Trump will quarantine. First lady Melania Trump also tweeted about her diagnosis."As too many Americans have done this year, @POTUS & I are quarantining at home after testing positive for COVID-19," the first lady said early Friday morning. "We are feeling good & I have postponed all upcoming engagements. Please be sure you are staying safe & we will all get through this together." 3926

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