黄浦区椿树美甲加盟电话多少钱营口市甜果美甲加盟电话多少钱,焦作市99元自助美甲加盟电话多少钱,宁波市有个美甲加盟电话多少钱,德阳市5000以下的美甲加盟店电话多少钱,金华市加盟哪个品牌美甲店好电话多少钱,洛阳市公主的店美甲加盟电话多少钱,丰都县灰姑娘美甲加盟电话多少钱

PRAIRIE VILLAGE, Kan. — A Kansas City area family is celebrating a big win. They paid off more than 0,000 in student loan debt in a little over six years.Ashlyn Yarnell accumulated the debt in the process of becoming a family law attorney."That was my calling. That's what I knew I wanted to do, and that was the path to get there," Yarnell said.Because she attended college and law school on the heels of the recession, a lot of scholarship money dried up, leaving student loans as the only option."I did everything I could think of. I worked jobs, I lived with friends, lived with family when I could," she said.By the time Yarnell graduated, her debt total came to 0,500.Paying it all off seemed daunting at the time, but Yarnell and her husband, Drew, immediately got to work. They shared advice for others starting their debt journeys.Study your debt"It's like tackling an opponent. You've got to study that, you've got to learn about all the options you have to get rid of it," Ashlyn Yarnell said.She created a spreadsheet to track the balances of her loans and the total paid each month."We had a plan right out of school, how many years it was going to take, how we were going to handle this," Drew Yarnell added.Flexibility with that plan is important, as Drew said it took them slightly longer than they anticipated to pay off the debt.Consider refinancingWhen Ashlyn began paying off her loans, the interest rates were all over the map."Some were a low 2 percent interest rate," she said. "Some were as high as 10 percent."By refinancing, she was able to get the average rate down from 6.8 percent to 4 percent.Those considering refinancing student loans now should keep in mind payments on federal loans have been suspended interest-free through the end of the year."You really need to think twice about refinancing a federal student loan because you lose those benefits," said Brian Walsh, manager of financial planning for SoFi, the personal finance company Ashlyn used for refinancing.The Yarnells also refinanced their home in the spring to help with final loan payments.According to Walsh, there are some important factors to consider before taking that step. Look at the closing costs first."How many months is it going to take me to recoup those costs, and am I going to live in this house long enough? Otherwise refinancing your home might not be a good idea even if it is a lower interest rate right off the bat," he said.Celebrate small milestonesAt the start of the couple's repayment journey, the daily interest rate was ."Every day I imagined handing my lender a bill in addition to everything I already owed, and that was unacceptable to me," Ashlyn said.She and Drew celebrated as they were able to knock down that daily interest rate, eventually reducing it to just ."You don't have to wait until the very end to enjoy knocking off a certain number," Drew Yarnell said, "If you get to a milestone, I think it's important to celebrate it on the way."Be sure to set small goals within the long-term plan."You break it up into microgoals, and it helps you stick to it and kind of hit the reset button once you hit that goal a couple months down the road," Walsh said.The Yarnells reached their finish line in May, when Ashlyn submitted her last student loan payment."I was screenshotting everything. My husband was taking pictures," she said, "And there were not even tears, it was sobs of relief."With interest factored in, the total came to nearly 4,000.The couple wanted to take a trip to celebrate, but COVID-19 interrupted those plans. Instead, Ashlyn wants Drew to pick out something for himself since he came along on the debt repayment journey with no complaints."He is a total team player," she said.The Yarnells also started education funds for their two sons, Charlie and Jack.Here are some other tips from SoFi for paying down debt:Figure out your monthly spendingUse a budgeting app to stay on trackConsult an expert if developing a plan on your own is too difficultDon't be afraid to talk about your debtThis story originally reported by Cat Reid on kshb.com. 4126

President Donald Trump is now setting his sights on overhauling the nation's safety net programs.Trump signed an executive order Monday directing federal agencies to promote employment for those on public assistance.The president called for enforcing work requirements that are already in the law and reviewing all waivers and exemptions to such mandates. Also, the executive order asked agencies to consider adding work requirements to government aid programs that lack them."The federal government should do everything within its authority to empower individuals by providing opportunities for work, including by investing in federal programs that are effective at moving people into the workforce and out of poverty," the order read.The agencies have 90 days to submit a list of recommended policy and regulatory changes.The move is the latest step in the administration's effort to require low-income Americans to work for their federal benefits. The Centers for Medicare & Medicaid Services earlier this year began allowing states to mandate that certain Medicaid enrollees must work for the first time in the program's history, while the Department of Housing and Urban Development is looking into the issue for those in subsidized housing.The Department of Agriculture also wants to strengthen the work requirements in the food stamp program. Currently, adults without minor children can only receive benefits for three months out of every 36-month period unless they are working or participating in training programs 20 hours a week. However, states can waive that requirement for areas where unemployment is at least 10% or there is an insufficient number of jobs, as defined by the Department of Labor.Several states, particularly those with Republican leaders, have also been adding work mandates. Kentucky, Indiana and Arkansas have already received approval to require certain Medicaid recipients to participate in community engagement programs, including working, volunteering or job training, while several other states have applications pending before CMS. West Virginia and Wisconsin recently tightened the work requirement provisions in their food stamp programs.The president is ramping up these efforts after Congress opted to punt on entitlement reform with the midterm elections looming in the fall.The order outlines nine "Principles of Economic Mobility," which are in line with longstanding Republican ideals. They include improving employment outcomes and economic independence, promoting marriage as a way of escaping poverty, reserving benefits for those truly in need and empowering the private sector to find solutions to poverty. The order directs agencies to provide more flexibility to the states, which administer many of these safety net programs.Millions of Americans flocked to the nation's government assistance programs in the wake of the Great Recession and the expansion of Medicaid under the Affordable Care Act. More than 74 million Americans are on Medicaid, while more than 41 million people receive food stamps, formally known as the Supplemental Nutrition Assistance Program, or SNAP. (Enrollment in food stamps has drifted down from a peak of more than 47 million in 2013.)The administration, along with conservative policy experts, argue that this is the perfect time to enforce and expand work requirements because unemployment is near record lows and employers are looking to hire. They are setting their sights on the able-bodied, working-age adults -- particularly childless men -- who have joined the assistance programs in recent years.The executive order should send a strong signal to federal agencies that they need to prioritize adding or strengthening work requirements, said Robert Doar, who used to oversee New York City's public assistance programs. Getting people to work -- even if they still need some assistance -- is the first step to helping them gain economic independence, he said."People can't rise out of poverty if they are only receiving SNAP and Medicaid," said Doar, now a fellow at the conservative American Enterprise Institute. "These programs were meant to supplement earnings, not replace them."Consumer advocates, however, argue that work requirements will lead to millions of people losing crucial assistance. Putting in place such mandates doesn't take into account barriers to employment, such as medical conditions, child care and transportation."So-called 'work requirements' are premised on a set of myths about poverty," said Rebecca Vallas, vice president of the Poverty to Prosperity Program at the left-leaning Center for American Progress."First, that 'the poor' are some stagnant group of people who 'just don't want to work.' Second, that anyone who wants a well-paying job can snap her fingers to make one appear. And third, that having a job is all it takes to not be poor," she said.Many low-income Americans who can work already do, advocates say.In households that receive SNAP and have at least one non-disabled adult, 58% are employed and 82% worked in the year prior to or after enrollment, according to the Center for American Progress.Among Medicaid recipients, 60% of able-bodied, working-age adults have jobs, while nearly 80% live in families with at least one member in the labor force, according to a Kaiser Family Foundation analysis. Most of those who don't work cite illness, disability or family obligations as the reason.Instead of mandating employment, the president could do other things to help Americans gain economic independence, Vallas said."If Trump were serious about helping the 'forgotten man and woman' he pledged to fight for during his campaign, he'd be addressing the real problems trapping Americans in poverty -- like the poverty-level minimum wage that's remained stuck at .25 for nearly a decade," she said. 5936

Pope Francis has accepted the resignation of Cardinal Donald Wuerl, the embattled archbishop of Washington, ending weeks of mounting speculation and rising anger over Wuerl's role in two clergy sexual abuse scandals.The Vatican Press Office announced the news Friday.Wuerl, who turns 78 in November, technically tendered his resignation upon reaching age 75, as all Catholic bishops and cardinals do. But cardinals are often allowed to serve until they are 80.While he maintained a relatively low political profile in Washington, Wuerl's resignation caps a stunning fall from grace for one of the world's most powerful Catholic leaders.The Pittsburgh native spent more than 50 years climbing the ranks of the Catholic Church, building a reputation as a loyal churchman and scrupulous teacher. Known as a key ally of Pope Francis, Wuerl sits on the Vatican committee that vets and appoints bishops around the world. 922

President Donald Trump had another tweet of his partially muted by Twitter on Tuesday, as the social media platform said that a tweet sent by the president earlier in the day violated the site’s rules.In the last month, Twitter has blocked or partially muted several Trump tweets after facing criticism that the social media platform does not follow its own policy toward presidential tweets. In cases like the tweet sent by Trump on Tuesday, Twitter said that the tweet is still viewable due to “public interest.”The tweet in question from Trump reads, “There will never be an ‘Autonomous Zone’ in Washington, D.C., as long as I’m your President. If they try they will be met with serious force!”Trump’s post came in response to several hundred protesters being pushed out of Lafayette Park Monday night after they attempted to bring down a statue of Theodore Roosevelt. Several protesters then crossed the street to the St. John’s Episcopal Church and spray painted that the area is an “autonomous zone.” The church was the site of a now infamous photo op featuring the president moments after officers used tear gas on a largely peaceful protest to clear the area.Twitter issued the following warning along with the tweet:“This Tweet violated the Twitter Rules about abusive behavior. However, Twitter has determined that it may be in the public’s interest for the Tweet to remain accessible.”Last month was the first time Twitter censored a presidential tweet.“We've taken action in the interest of preventing others from being inspired to commit violent acts, but have kept the Tweet on Twitter because it is important that the public still be able to see the Tweet given its relevance to ongoing matters of public importance,” Twitter said last month.Trump also threatened to take action against Twitter after the platform issued a fact check alongside a tweet which Trump claimed that mail-in voting is prone to fraud – a repeated claim that has been made by the president despite little evidence to support the claim. 2033

PORT CHARLOTTE, Fla. — Susie Kelly teased her husband Doug as they played a game of rummy at Consulate Health Care, a rehabilitation center in Port Charlotte, Florida. Something they said wouldn’t be able to do if it wasn’t for Home Depot employees giving Susie CPR when she had a massive heart attack.“This is my early Christmas present. I got my wife back,” Doug Kelly said.Susie Kelly had a massive heart attack while riding in the car with her husband last month. He quickly pulled over to a nearby Home Depot.“I immediately thought of the time I had before the brain damage would kick in,” he said. “Those gals at Home Depot played a large part in saving my wife’s life.” 689