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Unions representing about 35,000 Disney World workers say Disney is refusing to pay their members ,000 tax cut bonuses.Disney announced the ,000 bonuses last month for 125,000 U.S. employees. The company said at that time that the bonuses would go to full and part-time employees, including those represented by unions "currently working under existing union contracts."But the union members at Disney World are in the midst of contract negotiations. They say rank-and-file workers in December voted 93% against Disney's most recent offer of a 50-cent-an-hour raise over the next two years, coupled with a 0 signing bonus. Most unionized Disney World employees make less than an hour, according to the union.Only 3,000 make more than an hour. The union says the average hourly wage for its members is .71.Eric Clinton, president of the Unite Here local at the theme park, said Disney is forcing the union to accept that same rejected offer for its members to receive the ,000 bonus due to other Disney employees."In other words Disney said you can have ,000 if you agree to stay poor," he said in a video statement posted on the union's Facebook page. "Disney is discriminating against us for having a union locked in negotiations. Let us be clear, Disney cast members deserve a living wage. We will not allow a ,000 trick of a bonus to be held over our heads."He said the union has filed an unfair labor practice complaint alleging that the demand amounts to punishing members for engaging in legally protected contract negotiations.Disney was not immediately available for comment on the union's statement, but a spokesperson told the Orlando Sentinel, "Wages and bonuses are part of our negotiation process. We will continue to meet with the union to move toward a ratified agreement."Several union members appeared in the same video denouncing the demand from Disney."This company seems to think they can trick us into taking this ,000," said union member R.J. Green. "This bonus is a short-term solution to long-term problems. There is no reason we should not be able to provide for our families."  2142

Two record-breaking cats are missing following a house fire in Farmington Hills, Michigan. The metro Detroit family owns the world's tallest cat and the cat with the world's longest tail. The animals are both 2 years old. RELATED:  254

Two people had to be rescued by West Palm Beach, Fla. firefighters after a dog attack Monday morning. West Palm Beach Fire Rescue said the incident occurred in the north end of the city.Fire officials said a man and a woman were in their second-story apartment when they were bitten by their own dog.Firefighters had to use a ladder to get the couple out of their apartment.No other details were immediately available. 441

Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

UTAH COUNTY, Utah – Most days begin about the same for Jeff Smith. He makes sure to squeeze in time in the home gym and tries to eat healthy. Smith is really like most Americans, except he is completely blind.“It’s called retinitis pigmentosa,” Smith explained.It’s a hereditary disease that slowly stole his sight.“Usually, it starts out in the periphery and slowly works its way in until it’s like you’re looking through a tube,” he said.Smith has had to relearn just about everything in his life“You know, things like brushing your teeth, finding clothes to wear,” Smith said. “I probably don’t match very well here today.”Technology has become like a best friend.“I use technology from the moment I get up from probably the moment I go to sleep,” Smith said.This past election cycle, he tried something for the first time.“Anything new or different to a blind person is scary,” Smith said.He voted entirely on his mobile phone using an app called “Voatz”His country was among several in the country participating in the pilot program. The pilot program was for voters who are either disabled or overseas at the time of the election.“My county has historically been a bit of a mess when it came to elections,” said Utah County clerk Amelia Gardner Powers.Gardner Powers decided to try and clean things up.“We deliver your ballot to you on your phone, you mark your preferences on your phone and then you submit it back to us,” Gardner Powers said. “We actually print off your ballot using a ballot printer and run those through the scanner with all of our other ballots.”She says the response has been phenomenal, especially in a year like 2020“People’s access to the polls has been limited. Just think of all the things that have happened like hurricanes, flooding, wildfires,” Gardner Powers said.And of course, a global pandemic. Those in quarantine or afraid of exposure could vote at home.“Their voter registration went from single digits to high double digits,” said Jonathan Johnson.Johnson knows a thing or two about elections and technology. He ran for governor in the state of Utah and is now the CEO of Overstock.com. Johnson is urging community leaders to give the tech a try so more people can vote.“Once a vote is put into blockchain technology, it doesn’t change. It’s not just one database that can be hacked and changed, it’s put into a kind of distributed database so if one is changed, all the others are not,” Johnson explained.Think of it like multiple virtual safety deposit boxes holding your vote.“This is safe and secure,” Johnson said. “It’s more secure than just showing your license when you show up at a junior high school gymnasium.”For Smith, it means voting without any help.“Well, this is the United States of America,” Smith said. “Voting is a patriotic thing to me. It is a blessing to be able to participate in the political process.”Smith may have lost his sight, but when it now comes to voting? He has gained his independence. 2976