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Halloween in Salem, Massachusetts, will look a lot different this year due to the coronavirus pandemic.City officials announced last week that stricter guidelines were going in place to prevent large gatherings in the "Witch City."According to CBS Boston, businesses will shut down early, the city will triple fines over Halloween weekend, and streets will be closed.The city canceled Halloween festivities back in early October due to health and safety concerns, city officials said. 492

HAMPTON, N.H. (AP) — Joe Biden said he would be open to breaking up Facebook, a sign of the deep skepticism among many Democratic presidential contenders about the power of massive technology firms.In an interview on Monday with The Associated Press, the former vice president said that dismantling large technology companies is "something we should take a really hard look at."Sen. Elizabeth Warren of Massachusetts has been the most outspoken Democratic presidential candidate to press for greater regulation of Silicon Valley's most prominent companies. While Biden didn't fully embrace her proposal — saying it's "premature" to make a final judgment — he praised Warren and said she "has a very strong case to be made" for cracking down on tech giants.The comments demonstrate how Facebook is increasingly a flashpoint in the campaign for the Democratic presidential nomination, with some candidates arguing the influence of such companies is unchecked, allowing misinformation to poison the public debate. Sen. Kamala Harris of California said this weekend that she was open to revamping Facebook, telling CNN the company is essentially a public utility. But Sen. Cory Booker of New Jersey told ABC that such calls aren't very different from the tough tactics President Donald Trump takes against his enemies.Regardless of whether Facebook is ultimately broken up, Biden told the AP that the Trump administration hasn't done enough to enforce antitrust laws in a variety of industries. 1498

Good news, Marvel fans: The next Avengers movie is hitting theaters a week early.Marvel Studios announced Thursday afternoon that it was moving up the release date of Avengers: Infinity War from May 4 to April 27 — with the help of Ironman himself, Robert Downey Jr.In an exchange on Twitter, Downey appeared to "convince" the studio to release the new superhero flick a week early. On a scale of one to infinity, how excited are you to see #InfinityWar on May 4th? pic.twitter.com/72jYKj2ODG— Marvel Studios (@MarvelStudios) March 1, 2018 557

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

Government watchdogs say President Trump’s Fourth of July gala in the nation’s capital last year cost taxpayers more than million, twice as much as previous celebrations. Each year, the nation's capital hosts Independence Day celebrations; a parade, concert, fireworks and, in 2019, "A Salute to America." Trump’s desire to have Department of Defense military vehicles participate last year helped drive up the cost, according to the Government Accountability Office. The president’s attendance also increased expenses. The report says that some other costs, such as for military flyovers of the National Mall, aren't included in the estimate. Trump’s military-focused Independence Day event went beyond the traditional concert and fireworks of years past. The GAO estimated that holiday celebrations from 2016 to 2018 cost from million to million annually. 875