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HARTFORD, Conn. (AP) -- A Connecticut city is offering free roadside assistance to bicyclists when they suffer a flat tire or other minor mechanical problems.The program in Hartford is run by the city's business improvement district and is touted as the first of its kind in the nation. It is designed to encourage bicycle commuting.Six district employees have been trained to fix flats, repair broken chains, adjust brakes and do other minor bicycle repairs. They patrol the streets on bikes and have responded to more than 40 calls from stranded bicyclists since launching the initiative in May.The city's bicycle and pedestrian coordinator says Hartford also recently adopted a "complete streets" initiative, which will require all new road improvement projects to include bicycle lanes. 798

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

Here in the U.S., states are handling vaccine distribution in different ways.Most are going with health care workers in direct contact with COVID-19 patients first, but plans could change.“So, we need to set realistic expectations that there will be guidance that's different in different states. The guidance will evolve as we get more and more vaccines. And that doesn't mean anything's wrong or we've changed our minds, it’s just the way it's going to roll out,” said Stacy Hall, Director of Louisiana’s Public Health Immunization Program.Louisiana plans to let its hospitals and EMS distribute the first doses to their staffs. It’s a strategy not just to protect the valuable workers, but to hopefully get the public on board.“I'm really eager for them as the first group to really learn the science about the vaccine and step up and be vaccinated. I think that'll set our whole campaign in Louisiana and nationally on the right track,” said Hall.As for the cold storage of the vaccine, Louisiana doesn't see it as overly challenging.They also plan to use the state immunization information system to track who needs second doses and where the vaccine is being used most.“I want us to keep going back to that. There will be challenges and issues, but what a wonderful opportunity to make a change in the trajectory of the pandemic,” said Hall.The reality is, it will be months before the general public will get the vaccine at a pharmacy or drive thru. 1464

Hours after Roseanne Barr blamed her use of sleep medication Ambien for a racist tweet, the makers of the drug responded with a tweet of their own."People of all races, religions and nationalities work at Sanofi every day to improve the lives of people around the world,"  Sanofi US, the makers of Ambien, tweeted. "While all pharmaceutical treatments have side effects, racism is not a known side effect of any Sanofi medication."Dictonary.com's Twitter account also trolled Barr's excuse, tweeting "The name Ambien is thought to come from the word "ambient" or similar words in French. Ambient does not mean "prone to making racist comments," but it does mean "of the surrounding area or environment.""In a since-deleted tweeted on Tuesday night, Barr said she was "Ambien tweeting" when she sent a racist tweet about a former Obama aide Valerie Jarrett on the night of Memorial Day."guys I did something unforgiveable (sic) so do not defend me. It was 2 in the morning and I was ambien tweeting-it was memorial day too-i went 2 far & do not want it defeneded-it was egregious Indefensible. I made a mistake I wish I hadn't but...don't defend it please. ty,

HEY TIM HEY @realDonaldTrump SO HAPPY IM GLAD TO BE LIVING RENT FREE in your HEAD. #BidenHarris https://t.co/k2ODfQNkF3 pic.twitter.com/Iy3Nj8aYMR— Lady Gaga (@ladygaga) November 1, 2020 194