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RAMONA, Calif. (KGTV) — Two people were killed and a third person was seriously hurt in a head-on collision in Ramona on Wednesday.CHP said at about 12:15 p.m., a 56-year-old woman was driving a 2016 Ford Focus northbound on Mussey Grade Road, south of Mahogany Ranch Rd., at a high rate of speed. At the same time, an unidentified woman was driving a 2017 Subaru Impreza southbound on the same road.For reasons that are unclear, CHP said the driver of the Focus lost control of her vehicle and veered into the opposite lane, colliding head-on with the Impreza.The driver of the Focus and a male passenger in the Impreza died at the scene, CHP said. The driver of the Subaru was taken to Palomar Medical Center with major injuries.CHP says they believe both occupants in the Subaru were wearing a seat belt, but the driver of the Ford was not at the time of the crash.It's unclear whether alcohol or drugs played a factor in the crash. 943

Psychologist say there are ways white people can be better allies for black colleagues during this time.Dr. Alfiee Breeland-Noble says there are things you should consider before reaching out.First, make sure it's appropriate.If you're polite to each other, but never really had deeper conversations before, now may not be the time. It can come off as disingenuous.Then, think about how you would want to be approached in a time of crisis. Some people may want space, while others do want to talk.Recognize that there may be cultural differences and be open about it.“So, it's really all about, I'm owning our experience, our life experiences are different. I'm owning my race. I'm acknowledging your race. I'm valuing both as equally valid and I'm saying to you in plain language, ‘I want to be a support to you,’” said Breland-Noble, psychologist and founder of the AAKOMA Project.That's a key part. You're trying to show support for them. Don't make it about you or your own validation.You can get that message across with what Breland-Noble calls "I statements.”“I want to communicate to you. I want to tell you that I care about you deeply, that I value you. That, you know and for some people it's important to hear that I do believe that black lives matter,” said Breland-Noble.Breland-Noble also recommends actually speaking with your black colleague. An email or a text can seem less personal. 1410

Rep. Louise M. Slaughter, the first female chair of the House Rules Committee and one of the longest-serving Democrats in Congress, died Friday at age 88, her office announced.The dean of the New York congressional delegation had fallen near her D.C. home last week, suffered an injury, and had been hospitalized at George Washington University Hospital.A major fixture in Democratic politics, she was serving her 16th term in Congress.House Democratic Leader Nancy Pelosi said Friday in a statement that she was "heartbroken by the passing of the congresswoman.""In her lifetime of public service and unwavering commitment to working families, Congresswoman Slaughter embodied the very best of the American spirit and ideals. With her passing, the Congressional community has lost a beloved leader and a cherished friend," Pelosi said. "Louise was a trailblazer. ... Her strong example inspired countless young women to know their power, and seek their rightful place at the head of the decision-making table."Slaughter, a microbiologist, won a seat in Congress in 1986 and was known for securing infrastructure money for her district as well as fighting for the troops. Slaughter spent years trying to set safety standards for military body armor after a report revealed that many casualties in the Iraq War had been born of the fact that the protective armor troops were wearing was inadequate.Slaughter was born in Kentucky, and although she relocated with her family to upstate New York, she never lost her trademark southern twang. As the top Democrat on the committee that set terms of House floor debate, she often sparred with her GOP colleagues about policy, often late into the night. But Republicans on the panel respected her and regarded her as a fierce protector of her party's agenda."Louise was a fearless leader, deeply committed to her constituents, and a dear friend," Republican Pete Sessions, the Rules Committee chairman, said in a statement "I have had the immense privilege of working side by side with her for the past 20 years. I will always cherish our friendship, comradery, and of course, her rhubarb pie. Although we sat on different sides of the aisle, I have always considered her a partner and have the utmost respect for her."Slaughter's chief of staff Liam Fitzsimmons released a statement Friday morning on his boss's death."To have met Louise Slaughter is to have known a force of nature," he said. "She was a relentless advocate for Western New York whose visionary leadership brought infrastructure upgrades, technology and research investments, and two federal manufacturing institutes to Rochester that will transform the local economy for generations to come."He added, "As the first chairwoman of the House Rules Committee, Louise blazed a path that many women continue to follow. It is difficult to find a segment of society that Louise didn't help shape over the course of more than 30 years in Congress, from health care to genetic nondiscrimination to historic ethics reforms."In recent years, Slaughter had some health issues, and missed some votes and meetings, but after one absence around the efforts to repeal the Affordable Care Act last year, the senior Democrat returned for the vote, which was expected to be very close, telling CNN, "I wasn't going to miss this one." She noted she was proud to be a part of passing the Democrats' signature health care law in 2009.She was genuinely curious and often stopped Capitol Hill reporters in the hallway to check on what stories they were working on, and offer her own two cents.According to her office, "in 2009, she secured the recall and replacement of 16,000 pieces of unsafe body armor from the front lines. Her effort led to improved armor testing protocols and ended the practice of outsourcing testing to private companies."She also was the author of other pieces of landmark pieces of legislation in Congress, including one that barred members of Congress from insider trading, and was the co-author of the Violence Against Women Act. 4052

President Donald Trump’s plans to kick off Independence Day with a showy display at Mount Rushmore are drawing sharp criticism from Native Americans who view the monument as a desecration of land violently stolen from them. Several groups led by Native American activists are planning protests for Trump’s July 3 visit, part of his “comeback” campaign for a nation reeling from sickness, unemployment and social unrest. But it comes amid a national reckoning over racism and a reconsideration of the symbolism of monuments around the globe. Many Native American activists say the Rushmore memorial is as reprehensible as the many Confederate monuments being toppled around the nation.The president's plans are also raising questions about fireworks safety. A fire expert says a fireworks display planned at the Mount Rushmore National Memorial is “ill advised” given the abnormally dry conditions and risk of summer wildfires. The July 3 event could attract 7,500 people. Bill Gabbert is the former fire management officer for Mount Rushmore and six other national parks in the region. Earlier this month, he said shooting fireworks over the extremely flammable ponderosa pine forest should not be done. The fireworks display at Mount Rushmore to celebrate Independence Day has not happened since 2009, when it was ended because of fire danger after a pine beetle infestation. Additionally, a 2016 U.S. Geological Survey report ties high levels of perchlorate contamination in the water at Mount Rushmore national memorial in South Dakota with past years of fireworks displays there. The pyrotechnics are set to resume this Independence Day holiday at the urging of President Donald Trump. 1698

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