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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

HEALDSBURG, Calif. (AP) — If you're worried that wildfires might have created shortages of Northern California's 2019 cabernet sauvignon, or even just imparted it with an undesirable smoky flavor, you can relax. The wine is just fine. For now.Despite a late October blaze that raged through one of the world's best-known wine-growing regions. forcing evacuations in two mid-sized towns, wine production in Sonoma County escaped largely unscathed.Limerick Lane Wines, for instance, avoided serious damage despite flames that licked at two sides of its property in the Russian River Valley just south of Healdsburg. Limerick's grapes were already harvested, crushed and stored in tanks and barrels. The winery's sealed cellar prevented smoke damage to its inventory, said owner Jake Bilbro, although its tasting room now has an acrid smell."I have to thank the people who planted our vineyards and built our house 100 years ago," Bilbro said. "Our buildings are all surrounded by vineyards, and vineyards are excellent fire breaks."Overall, vintners estimate that the region lost only about five percent of its harvest to fire and smoke — not a perfect outcome, but better than in 2017, when wildfire struck with only about 90% of the harvest in. The remaining grapes weren't all lost, but that year's vintages were rumored to have a "smoky" taste, and winemakers were taking no chances this year.Many in Sonoma, a sprawling county larger than Rhode Island located about an hour north of San Francisco, say they're hoping that fires don't become the new normal. But with the smell of smoke lingers in the air and the charred hills serving as a reminder, they're also making plans in case they do.Fire season isn't over yet, of course, and the now largely contained Kincade fire did incinerate the historic Soda Rock Winery, although most vineyards sustained no damage and lost no production. But the region has suffered a precipitous drop in fall tourism, which could undermine the economic health of its wineries and hospitality industry alike.Bret Munselle lost about half of the young vines he had planted just two months before when a fire raged through the upper part of his ranch at Munselle Vineyards in Alexander Valley, between Healdsburg and Geyserville. The drainage below the plants was also damaged, and will probably cost 0,000 to repair, he said.It could have been much worse if mature vineyards were more appealing to fire. Water-rich vines and grapes planted in plowed rows don't offer them much fuel, he said."My family has lived on this property for 130 years," Munselle said. "We've never seen it burn from the tops of mountains to the valley floor."Climate change is making summers warmer and drying out more forest brush, creating greater fuel reservoirs for wildfire, said Noah Diffenbaugh, a professor of earth system science at Stanford. The late-autumn rains that typically end fire season have started later in recent years, he said, although it's not yet clear whether that's also climate-related.Oddly enough, those same effects can help protect the grape crop by accelerating ripening of the fruit and reducing the chance that unexpectedly early rains might damage it.Wine researchers have suggested vineyards might need to adjust harvest times, evaluate what they plant, even possibly move to cooler areas over time.Few grape growers are dramatically changing their practices yet. No one is talking about closing up shop or moving elsewhere. But winemakers are tinkering anyway — and everyone is buying backup generators.Clay Mauritson of Mauritson Wines said he and his family are experimenting with different pruning methods to increase shade on the plants, although they don't see any need to shift to new growing areas."We don't want to be too dramatic or reactionary," he said. "We are going to take baby steps to make sure we're prepared for what comes down."Tourism, which is usually booming amid the fall colors and mild temperatures, has taken a serious blow. Evacuations of nearby Healdsburg and Windsor, along with planned blackouts by the region's utility, PG&E — plus, the widespread misperception that the vineyards themselves burned — led to a rash of cancellations for hotel, restaurant and tasting-room reservations.Joe Bartolomei, owner of the upscale boutique hotel Farmhouse Inn in Forestville, said he would normally be sold out this time of year. But on Nov. 1, his inn had only two of 25 rooms filled. He's trying to get the message out that the county businesses are intact and open for visitors.But, he said, "it's going to be a slow, gradual education."Visitor numbers had just started recovering from a similar drop-off following the 2017 fires, said Sonoma County Tourism president Clauda Vecchio.So the tourism bureau now plans to promote wine country as a spring destination rather than fall, and is devoting the bulk of its 0,000 advertising budget to that end. That means convincing visitors to come celebrate "bud break," when green shoots make the vineyards colorful, rather than the harvest itself.But to boost tourism numbers to a level she'd like, Vecchio says she would really need roughly ten times the budget.The good news, Diffenbaugh said, is that people have a long history of figuring out how to thrive in all kinds of environments."Humans are really good at dealing with a variety of different conditions," he said. "What climate change is doing is changing which conditions occur where." 5480

Here's what's happening in the world of politics Saturday, March 3, 2018.WaPo: Stormy Daniels almost called off hush-money payment-- Porn actress Stormy Daniels reportedly threatened to call off a non-disclosure agreement with President Donald Trump's lawyer weeks before the 2016 election, the Washington Post reported.Trump's legal counsel, Michael Cohen, agreed to pay the woman, whose real name is Stephanie Clifford, reportedly in exchange for silence over an alleged affair with Trump.The Post reported an email obtained from Clifford's lawyer, Keith Davidson, on Oct. 17, 2016, threatened to call off the agreement saying, "please be advised that my client deems her settlement agreement canceled and void."Read more.Trump concerns with Kushner entanglements, sources say-- The FBI's investigation by special counsel Robert Mueller into senior White House advisor Jared Kushner is becoming a source of concern for President Trump, sources tell ABC News.Advisors in the West Wing told ABC News privately the president has raised questions about Kushner's role and potential business ties and the impact it could have legally and on his presidency.In public, President Trump has remained vocal about his support for Kushner.Read more.Scaramucci say's he's banned from the White House-- Former White House communications director Anthony Scaramucci says he's been placed on the "banned" list for the White House.Scaramucci says he's now on the "administrative exclusion list," which prevents certain former staffers from entering without special permission, CNN reported.The White House reportedly first denied Scaramucci had been banned, but later confirmed the report.Read more. 1712

GREENWOOD, Ind. — An Indiana family is asking for help to identify a driver who was caught on camera plowing through their yard to destroy their Christmas decorations. The video starts with a man getting out of his black SUV and then walking up to take a closer look at the front yard where Casie Arnold says her family had a giant inflatable Christmas decoration. The man then gets back into his vehicle, backs up and plows straight through the family's yard and over the top of that 12-foot inflatable decoration. Neighbor cameras caught the whole thing on surveillance video, which you can see below.  642

HELENA, Mont. – Republican Steve Daines of Montana won a second Senate term on Tuesday, dealing a blow to Democrats' hopes of gaining a majority in the chamber.The former business executive and Donald Trump loyalist defeated Gov. Steve Bullock.Daines’ first election in 2014 broke a Democratic lock on the Senate seat that had lasted more than 100 years. After Trump carried Montana by more than 20 percentage points in 2016, Daines emerged as one of the president’s ardent defenders.Bullock is a two-term Montana governor who entered the race in March after dropping a presidential bid that attracted little support.Political groups and the campaigns poured more than 0 million into the contest, a record-shattering figure for the sparsely populated state. 768