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George Floyd would have turned 47 years old Wednesday. In honor of his birthday, a new mural in Houston was unveiled showing Floyd’s image alongside messages encouraging people to vote.The brightly colored mural has two signs reading “be the change” and “go vote.” Floyd was born in Houston and a regular customer at the corner store where the mural is painted. 369

Hawaii wants you to come work remotely in paradise.Last month, the state launched a temporary residency program called "Movers and Shakas" to persuade people to move to help boost the economy by working and living in the Aloha State.Fifty people will be chosen and would receive incentives like free roundtrip airfare and discounts on hotels.According to a press release, the program will accept more applicants on a rolling basis.Those accepted into the program must stay for at least 30 days, commit a few hours every week to volunteer for a non-profit, and be at least 18 years old.The program is accepting applications until Dec. 15. 645

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

Have you ever poured yourself a drink and browsed online, only to find a package at your door days later? Well, you’re not alone, according to a new survey.According to the personal finance website Finder.com, nearly half of Americans surveyed earlier this year said they’d made a purchase while under the influence.The survey found the average American spent 7.57 while drunk shopping. That total is up from the 2017 average, which was about half of that amount.So, what are drunk shoppers buying? Besides food, the top items are shoes and clothes.The survey found a quarter of people also like to gamble while drunk.The good news—there are apps that can stop you from drunk shopping. Crome browser extensions like Focus Me and Freedom allow users to block certain websites for a certain amount of time. The apps also allow you to set a spending limit, so you don’t wake up with a financial hangover.   919

Hospitals and states collecting case data on COVID-19 patients will now be reporting that data directly to the federal government, instead of the CDC's online database.Beginning this week, according to an update on the Health and Human Services website, states and hospitals are being asked to submit data directly to the federal government and task force in an effort to cut down on duplicate requests and minimize the reporting burden on hospitals and facilities.“As of July 15,, 2020, hospitals should no longer report the Covid-19 information in this document to the National Healthcare Safety Network site,” the statement reads. The emphasis was added in the original document.The National Healthcare Safety Network site is the CDC’s site for tracking infectious diseases.The document says the change in reporting will help the White House coronavirus task force to allocate supplies like personal protective gear, ventilators and drugs like remdesivir.Some are worried the change in where the data will be kept means a change in public access to the data.“Historically, C.D.C. has been the place where public health data has been sent, and this raises questions about not just access for researchers but access for reporters, access for the public to try to better understand what is happening with the outbreak," Jen Kates, the director of global health and H.I.V. policy with the nonpartisan Kaiser Family Foundation, told the the New York Times, who first reported on this change.Many researchers, scientific modelers and health officials in municipalities around the country rely on the CDC’s data to make projections and time-sensitive decisions.Michael Caputo, the assistant secretary for public affairs at the department, said in a statement to CNN, a "new faster and complete data system is what our nation needs to defeat the coronavirus and the CDC, an operating division of HHS, will certainly participate in this streamlined all-of-government response. They will simply no longer control it."The document shared by Health and Human Services does not clarify how the data will be accessed by the public. 2128

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