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Senate Minority Leader Chuck Schumer is pushing the incoming Biden administration to cancel up to ,000 in federal student loans when the president-elect takes office in January.His announcement comes as the nonpartisan Congressional Budget Office released data indicating that America’s student loan debt had increased by 700% during the period from 1995 through 2017.Schumer said that Biden can forgive the debt by executive action due to the Higher Education Act. The Trump administration previously cited the Higher Education Act in authorizing a freeze in student loan payments, which has been extended through the end of January.If Schumer has his way, the freeze would be made permanent for millions of student loan customers."College should be a ladder up but student debt makes it an anchor down. For far too many students and graduate students, some years out of school, student loans and federal student loans are becoming a forever burden," Schumer said. "They stand in the way of people getting the job they want, they stand in the way of buying a home, of starting a family, of buying a car and they hurt our economy dramatically.”Biden has not indicated support for the plan, and has instead offered a more modest recommendation of canceling up to ,000 in federal student loans.Loan burden increasingData released this week by the Congressional Budget Office shows that America’s collective student loan burden has increased seven times from 1995 through 2017 for a multitude of reasons.The CBO lays out a number of reasons why this has happened. One culprit is that borrowing from private, for-profit colleges has skyrocketed. Adding insult to injury, those who attend for-profit colleges and universities are more likely not to graduate, resulting in fewer job opportunities.The CBO also says that enrollment increased at universities across America through the late 90s and 00s, meaning there were simply more students to go into debt. The number of students taking out new loans did subside some after a 2011 peak, but remained higher in 2017 than they did in the 90s and much of the 00s.There has also been an arms race at universities to increase services to students, which increases costs. This comes while state support for public universities has decreased in recent years.Are student loans themselves responsible for increases to tuition?The CBO says that until recently, there was no evidence that an expansion to the federal student loan program was responsible for tuition increases at universities. But the CBO claimed that more recent data has suggested that federal student loans could result in increased tuition.The CBO cited a study conducted by Dr. Robert Kelchen of Seton Hall called “An Empirical Examination of the Bennett Hypothesis in Law School Price” among other studies.“Using data from 2001 to 2015 across public and private law schools and both interrupted time series and difference-in-differences analytical techniques, I found rather modest relationships across both public and private nonprofit law schools,” Kelchen wrote.College grads still fare better overallDespite all of the debt many college graduates face in the years, and even decades, after attending school, those with bachelor’s degrees or higher fare much better in the job market.According to the US Census’ 2019 data, the median income for a householder with a bachelor’s degree was ,036, with those with advanced degrees making even more. For those with an associate’s degree, a degree generally given to community college graduates, the median income was ,242. Those who attended some college, but did not have a degree, earned ,380 a year, while those who were high school graduates earned ,803.During the height of the pandemic, those with at least a four-year college degree were more likely to hang on to their job. The unemployment rate increased from 2.5% to 8.4% for those with a bachelor’s degree from March to April of 2020. Those with an associate’s degree or some college experience, but not a four-year degree, saw an unemployment rate increase from 3.7% to 15%.For those who graduated high school but did not attend college, the unemployment rate during the same period jumped from 6.8% to 21.2%.The most recent job figures, which were for the month of October, showed an unemployment rate of 4.2% for those with at least a four-year degree, 6.5% for those with an associate’s degree or some college, and 8.1% for those with a high school diploma and no college experience. 4529

Sometimes physical pain is well worth the emotional relief.For a sex trafficking survivor, who did not want to be identified, getting the tattoo on the back her leg that says “Daddy’s Girl” covered up, the impact goes much further than skin deep. It helps erase the pain from her past.“It feels really good, but it hurts really bad,” she said.Tattoo cover-up sessions like these are organized and paid for by Atlanta Redemption Ink, a nonprofit started by Jessica Lamb.“We work with sex trafficking survivors, former gang members, former self harmers and individuals that are in recovery that have marks from addiction,” Lamb said.Since 2017, Atlanta Redemption Ink has helped hundreds of people cover up marks from their past.Tattoo artists like Crystal Boyd of Pur Ink Tattoos in Alpharetta, Georgia, open their doors and donate their time and talent to become part of this healing process.“It definitely weighs on me,” Boyd said of the tattoo cover-up experiences. “A lot of them do open up and talk to me while I’m tattooing them and it’s hard not to cry.”Many of these recipients say fresh ink gives them a fresh start at life.“I feel like a brand new person not branded with somebody’s name on me,” said the tattoo coverup recipient.With her body once branded with her pimp’s name tattooed across her chest and “Cash Only” written on wrists, this sex trafficking survivor is now confident that these cover-ups will help open up a better life.“That’s me and my son” she said, while pointing out a recent cover-up. “And I got like the universe because he’s like my world; my universe.”She says before Atlanta Redemption Ink, she thought there were only two ways to get out of the sex trafficking industry: jail or deathShe says these new tattoos have given her a new life with a new goal.“I’m going to help girl like me somehow,” she said. “I don’t know how but one day I will.”To donate click here. 1911

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

SPOKANE, Wash. (AP) — They call it the Cosmic Crisp. It's not a video game, a superhero or the title of a Grateful Dead song.It's a new variety of apple, coming to a grocery store near you Dec. 1Cosmic Crisp is the first apple ever bred in Washington state, which grows the majority of the United States' apples. It's expected to be a game changer.Already, growers have planted 12 million Cosmic Crisp apple trees, a sign of confidence in the new variety. While only 450,000 40-pound (18-kilogram) boxes will be available for sale this year, that will jump to more than 2 million boxes in 2020 and more than 21 million by 2026.The apple variety was developed by Washington State University. Washington growers, who paid for the research, will have the exclusive right to sell it for the first 10 years.The apple is called Cosmic Crisp because of the bright yellowish dots on its skin, which look like distant stars."I've never seen an apple prettier in the orchard than these things are," said Aaron Clark of Yakima, whose family owns several orchards in central Washington and has planted 80 acres of Cosmic Crisps.The new variety keeps for a long time in storage and in the refrigerator, said Kate Evans, who runs the breeding program at Washington State University.And it's an exceptionally good "eating apple," she said. "It's ultra-crisp, very juicy and has a good balance of sweetness and tartness."Cosmic Crisps are a cross between the disease-resistant Enterprise and the popular, crunchy Honeycrisp varieties. The Honeycrisp, nicknamed "Moneycrisp" by some growers, was the latest apple to spark a big buzz in the United States when it was introduced a couple of decades ago. It was developed by the University of Minnesota."This apple (Cosmic Crisp) has a good opportunity to be a hit with a lot of people," said Clark, a vice president of Price Cold Storage, a company with orchards and fruit warehouses throughout central Washington. "It better be, because we are going to have a lot of them."Apples are a .5 billion a year business in Washington, which grows about 60% of the nation's supply, or nearly 140 million boxes. The top varieties are Gala (23, Red Delicious (20%) and Fuji (13%).Apples are grown in the arid valleys and brown hillsides of central Washington, a few hours east of Seattle, and watered by irrigation projects.The state has around 1,500 apple growers and 175,000 acres of orchards. About 50,000 people pick some 12 billion apples by hand each fall. The fruit is exported to 60 countries.With so much success, why was a new apple variety needed?"A new apple brings excitement," said Toni Lynn Adams, spokeswoman for the Washington Apple Commission, which markets apples internationally. "A new variety can reinvigorate a market and industry."Washington growers, who had watched the market share for sometimes mushy Red Delicious apples plummet over time, were looking to replicate the success of the Honeycrisp, Adams said."It's going to shake things up in a great way," Adams said. "We're expecting it to increase in volume rapidly."Adams could not speculate on how much Cosmic Crisp apples will cost per pound."Better quality makes for better returns," said Clark, the grower. "This is a for-profit deal, man. We're trying to make some money with it."Remarkably, this is the first apple variety developed in Washington state, which has been known for apples for more than a century.Scientists at WSU's Tree Fruit Research Center in Wenatchee spent 20 years breeding the desired apple tree seeds. In addition to helping pay for that research, apple growers need a license to buy the trees and pay a royalty on sales of the fruit.The trees take three years to produce a crop, said Kathryn Grandy, a member of the team marketing the apple."This will be the largest launch of a single variety ever, globally," she said, and it's backed by a .5 million marketing budget.Consumers will not have trouble finding the variety, said Grandy, who works for a company called Proprietary Variety Management and is based in the town of Chelan, in the heart of apple country.Work on developing the variety began in 1997, said Evans, of Washington State University. The process of cross-hybridization has been used to breed plants for hundreds of years, Evans said, and is quite different from the more controversial genetic modification methods."The goal, in my opinion, is to get more consumers eating apples," she said. "Ultimately that is the goal of any plant breeder." 4507

Sister Jean has become the face of Loyola-Chicago basketball throughout the entire NCAA Men's Basketball Tournament.The 98-year-old nun has appeared at every Loyola basketball game throughout the tournament, and for the most part, has also moved into America's hearts.Ahead of Michigan's Final Four matchup against Loyola, one former teammate's grandma is calling out Sister Jean.ESPN analyst Jalen Rose posted a video on Instagram of his 100-year-old grandma, Mary Hicks, decked out in Michigan basketball gear with a message for Sister Jean."Sister Jean, it's been a good ride, but it's over Saturday. Go blue!" she said.The Wolverines will take on Loyola from at 6:09 p.m. Saturday in San Antonio. 713

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