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If you like hard seltzer and pumpkin, then you're in luck!VIVE, which is made by Braxton Brewing Company, said they are launching a pumpkin spice-flavored hard seltzer, and just in time for fall."We're celebrating the upcoming change of seasons with a limited release of a refreshing twist on your favorite fall flavor," the company announced on Twitter. 362

House Republicans released a tax reform plan Thursday that would eliminate a tax break for Americans with student debt.The student loan interest tax deduction saves people as much as 5 a year, though most see a smaller benefit.The sweeping legislation was described by House Speaker Paul Ryan as a series of tax cuts aimed at helping most Americans. But it eliminates or limits some tax deductions and exemptions to fund those cuts.The student loan interest tax deduction is just one on the chopping block. The bill still needs to be approved by both the House and Senate, and signed by President Trump, who has said it will be done "before Christmas."Here's how it currently works: Those eligible can claim up to ,500 of what they paid toward the interest on their student loans, but not the principal.It's an "above the line" deduction that can be claimed without itemizing. But it's only available to borrowers with a modified adjusted gross income of less than ,000 (0,000 for married couples filing jointly.) The benefit is gradually reduced once you earn at least ,000 (or 0,000 for couples).About 12 million people claimed the student loan interest deduction in 2015, according to the IRS. More than 40 million Americans have student debt.The student loan interest deduction cost the federal government billion in foregone revenue during 2016, according to a report from The Pew Charitable Trusts.The cost has more than doubled since 2007 as student loan balances grew, even though the maximum deduction (,500) hasn't changed since 2001, the report said.Still, it costs less than the American Opportunity Tax Credit. That allows families who are paying for college out-of-pocket to claim up to ,500 per student. The benefit, which cost nearly billion in 2016, would be preserved under the House Republican plan.Even if the federal student loan interest deduction is repealed by Congress, you may still qualify for a state deduction. Thirty-seven states and D.C. offer a similar benefit, according to The Pew Charitable Trusts.The House bill also proposes nearly doubling the standard deduction. It would raise it for singles to ,000 and for married couples filing jointly to ,000. 2279

If you feel like you're working more since you've started working from home, you're probably not wrong.A study by Atlassian found that since April, our workdays have become longer. That's around the time many people started working remotely.On average in the United States, people worked about 30 minutes more. People start work earlier and wrap up later.A separate report by LinkedIn found more than a quarter of people are checking in on work during off-work hours.However, this isn't necessarily leading us to be more productive. Often, we're working longer days because we're getting distracted while we're at home.“Everything's getting pretty mushy, so what that looks like is Netflix might be happening at 2 o’clock in the afternoon or you might be doing laundry at 11, instead of being fully focused on your work during the day, and I do think that is creating working longer hours,” said Elizabeth Grace Saunders, a time management coach.Saunders says there are additional distractions now.For instance, if you're a parent, your child may be learning from home. Sometimes you need to step in to help them, which can take time away from your work. That's completely okay, as long as we're still managing our time efficiently.Another thing that's changed is we may not necessarily have something to look forward to after work.Happy hours and going to the movie theater with a friend aren't really happening, so we may feel less motivated to work throughout the day.These longer work hours are giving us less of a chance to recharge for the next day, so it's important that we draw the line between work life and home life.Saunders says to pick a time where you only work... And don't do things like personal chores or take long breaks.“Those work hours are times when I’m devoted to work, and I’m really focused, and I’m not getting other things. That gives you the freedom and flexibility to feel like, I got work done today, I got done what I needed to get done and I need to do something refreshing or recharging at night.”We can still create things to look forward to after work, like having a time where we call friends and family, or plan to do something else you enjoy like crafting. 2204

Immunotherapy has gained ground against a stubborn opponent: ovarian cancer. A personalized cancer vaccine is safe and may lengthen the lives of ovarian cancer patients, a small clinical trial found.The research, published Wednesday in the journal Science Translational Medicine, showed "significantly higher" overall survival at two years among patients who received the vaccine, compared with patients who did not.Ovarian cancer is a "silent killer" because often it goes unnoticed until it is diagnosed at a late stage. Treated with surgery followed by chemotherapy, most patients -- 85% -- relapse and ultimately develop resistance to the chemo. At this point, they run out of treatment options.Still, scientists are hopeful based on the fact that a subset of patients shows an immune response to their cancer. Generally, these patients have better survival rates than those whose immune systems don't react in the same way.A vaccine, then, might be able to trigger and boost the immune system and increase the survival rates of patients, said Dr. Lana Kandalaft, senior author of the new study and an adjunct assistant professor at the University of Pennsylvania Perelman School of Medicine.  1210

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

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