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The 2016 election was psychologically traumatic for some, according to a new study published in the Journal of American College Health. It found that 1 out of 4 students surveyed experienced clinically significant event-related distress short term.Researchers from San Francisco State University, University of California, San Francisco and Arizona State University assessed a diverse group of nearly 800 undergraduates at Arizona State two to three months after the election.A key battleground, Arizona got a lot of political attention. Ultimately, Trump won Arizona by a narrow margin, earning 48.7% of the vote.The survey students filled out asked questions to determine the emotional effect of the event the election. It asked about the impact the election had on close relationships and assessed clinical symptoms of distress and subclinical impacts, meaning emotions that don't present definitive, more readily observable symptoms.Symptoms included "avoidance," a clinical term used to describe how someone deliberately stays away from whatever is causing them trauma, and "intrusion," a clinical term meaning the inability to keep memories of the source of their trauma from returning. The researchers also looked to see if demographics made a difference.Most of those surveyed, 65%, said the election had no impact on their close relationships. About 24% reported a slight or very negative impact and a little more than 10% reported a positive impact.If the election did have a negative emotional impact, avoidance was more common than intrusion among these students. One-fourth of participants showed clinically significant avoidance and intrusion symptoms in response to the election. Women, Democrats, people who did not identify as Christian and sexual minorities reported significantly more event-related distress, the study found.The students surveyed came from diverse backgrounds and held a mix of political opinions. Of the group, 18.5% reported that they were satisfied with the result of the election, 25% said they were somewhat satisfied, 19.2% said they were somewhat dissatisfied, and 37.2% said they were completely dissatisfied. Thirty-nine percent also reported that they were "considerably or extremely" upset by the election, 28.5% were not at all upset, the rest fell somewhere between.The study had limitations. The survey did not look at conditions long term. It couldn't rule out other stressors. It only looked at this one election and did not evaluate how students reacted in other years.Other studies looking at the 2016 election have found similar results. A study released in June that surveyed nearly 300 students two days before the 2016 election, on election night, and two days after, found that students who were concerned about Trump's ability to govern and those who were a part of the "non-dominant social group," including women and people of color, showed increased signs of stress before and during election night. Biological tests showed some signs of increased stress after the election, although there was a general recovery in mood, according to self-reported results.Lindsay Till Hoyt, who co-authored that study and is not connected with the current work, found this latest research interesting. She was not surprised that students felt increased stress."I think so much of the social media and news about the election really felt personal and aimed at specific groups like Mexican Americans and women," Hoyt, an?assistant professor of psychology at Fordham University,?said.For example, she cites Trump's justification for building a wall between Mexico and the US, saying in a debate "we have some bad hombres here and we're going to get them out." Or when a 2005 "Access Hollywood" tape was released in which Trump talked about how his celebrity status allowed him to behave aggressively with women, saying he could "grab them by the (expletive)" and that he would sometimes "just start kissing them.""Comments like those could hit very close to home, as opposed to arguments about abstract concepts like foreign policy and economic policy, students might not be as well versed in those topics," Hoyt said. "Because there was literal name-calling going on in the election cycle, even with students less politically engaged, that strong language and the harsher crassness of the rhetoric may have had a more broad effect on these students."In another study she and a graduate student are working on, they've noticed that both sides, conservatives and liberals, say they have felt discriminated against during the election, and preliminary results show it has caused them stress that interrupted their sleep."It's not just along ethnic and racial discrimination lines," Hoyt said "Conservatives also feel discrimination is affecting their sleep, it crosses both sides of the political aisle."Another 2018 study looking at how 700 teachers navigated the days after the election with K-12 students, and researchers found stories of such distress. One surveyed teacher remarked "for millions of people, this is real trauma."Beth Sondel,?who co-authored that study of teachers, finds this latest research on college students useful."Many of these young kids that the teachers were talking about in our study weren't privy to the policy being presented in the election, but the rhetoric was so strong it was impacting them," said Sondel, a research assistant professor in the department of instruction and learning at the University of Pittsburgh School of Education.Teachers reported they saw an immediate heightened fear of deportation among students. One teacher reported one of her seventh graders asked her if "Trump can come with a bus and get me?" Another teacher in Nebraska said a high school student who was expecting a baby asked if the teacher would take care of the baby if he was deported. Another teacher reported consoling a second-grade student who told her through tears that she was worried that when she'd get home from school her parents wouldn't be there."In general, I think our results are similar, in that we are finding that even these younger students are internalizing this rhetoric and it is causing stress and trauma," Sondel said. "I think the personal has become really political in this election."The authors hope this latest study will help mental health professionals better counsel college students have. Knowing that an election can cause distress, professionals should ask about it to better target treatment, they said. 6606
Tax procrastinators, your time is running out.As the coronavirus pandemic took hold this spring, the federal government postponed the traditional April 15 filing deadline until July 15.The move provided some economic and logistic relief for taxpayers dealing with the disruptions and uncertainty brought on by lockdowns, school closures and shuttered businesses. But now that new deadline is a day away.Taxpayers must file or seek an extension by the new deadline or face a penalty.The IRS is expecting about 150 million returns from individuals and as of last count, it had received almost 142 million.IRS suggests filing electronically to avoid common errorsOfficials say filing electronically and choosing direct deposit remains the fastest and safest way to file an accurate income tax return and receive a refund.Filing electronically reduces tax return errors as the tax software does the calculations, flags common errors and prompts taxpayers for missing information.An inaccurate tax return can delay a refund. In most cases, tax software helps to reduce or eliminate common errors.How to pay taxesTaxpayers can pay online, by phone or with their mobile device in the IRS2Go app. When paying federal taxes electronically taxpayers should remember:Electronic payment options are the optimal way to make a tax payment.They can pay when they file electronically using tax software online. If using a tax preparer, taxpayers should ask the preparer to make the tax payment through an electronic funds withdrawal from a bank account.IRS Direct Pay allows taxpayers to pay online directly from a checking or savings account for free.Taxpayers can choose to pay with a credit card, debit card or digital wallet option through a payment processor. The processor may charge a fee. No fees go to the IRS.The IRS2Go app provides the mobile-friendly payment options, including Direct Pay and payment processor payments on mobile devices.Taxpayers may also enroll in the Electronic Federal Tax Payment System (EFTPS) and have a choice of paying online or by phone by using the EFTPS Voice Response System.File tax return by July 15 even if you can’t pay in fullThe IRS says everyone should file their 2019 tax return by the July 15 tax filing deadline regardless of whether or not they can pay in full.Taxpayers who owe and can't pay all taxes due have options including:Online Payment Agreement — Most individual taxpayers and many business taxpayers may qualify to use Online Payment Agreement to set up a payment plan. Taxpayers can setup a plan on IRS.gov/paymentplan in a matter of minutes. Setup fees may apply for some types of plans.Delaying Collection — If the IRS determines a taxpayer is unable to pay, it may delay collection until the taxpayer's financial condition improves. In light of COVID-19, IRS postponed many compliance efforts until July 15 or later under the People First Initiative.Offer in Compromise (OIC) — Taxpayers who qualify enter into an agreement with the IRS that settles their tax liability for less than the full amount owed.Need an extension? File for one by July 15Those who need more time to prepare their 2019 federal tax return can apply for an extension of time to file. An extension of time to file does not grant an extension of time to pay taxes owed. File an extension request, estimate and pay any owed taxes by the July 15 deadline to avoid possible penalties.Individual tax filers, regardless of income, can use Free File to electronically request an automatic tax-filing extension. Filing this form gives the taxpayer until October 15 to file a return. To get the extension, the taxpayer must estimate their tax liability on this form and pay any amount dueMost refunds issued in less than 21 daysThe IRS is processing electronic and paper tax returns and issuing refunds. They’re normally issued in less than 21 days. Taxpayers who mailed a tax return will experience a longer wait time. There is no need to mail a second tax return or call the IRS.Where's My Refund? is the most convenient way to check the status of a refund. It has a tracker that displays progress through three phases: (1) Return Received; (2) Refund Approved; and (3) Refund Sent. 4207
TAMPA, Fla. — In an ironic twist, a bond hearing for the Tampa teen accused of hacking the Twitter accounts of politicians, celebrities and technology moguls got hacked this week.The bond hearing took place over Zoom. During the hearing, the judge and attorneys were interrupted several times with people shouting racial slurs, playing music and showing pornographic images.Seventeen-year-old Graham Clark is accused of using the hijacked Twitter accounts to scam people around the world out of more than 0,000 in Bitcoin.The accounts included Bill Gates, Barack Obama and Elon Musk. Prosecutors believe Clark got access by convincing a Twitter employee he was a coworker. He faces numerous charges including 17 counts of communications fraud and 11 counts of fraudulent use of personal information.Clark was arrested Friday and entered the not-guilty pleas Tuesday.The judge denied a motion to reduce Clark's bond. He remains in jail with bond set at 5,000.The next hearing is scheduled for October 7, and officials say it will be password protected.This story originally reported by Matthew Borek on abcactionnews.com. 1135
TAMPA, Florida — Police said they got a big win Friday night after they were able to arrest a man wanted in connection to installing credit card skimming devices across the Tampa Bay area.Police on scene told ABC Action News they were able to take the skimmer into evidence after a customer at the Chase Bank at 2001 N. Dale Mabry pulled it off the drive-up ATM while getting cash out.That customer flagged an officer down and showed him the skimmer. What that customer didn’t know is that undercover officers were already in pursuit of the man. Officers on scene say he was wanted by multiple agencies.The man, who has been identified as Yanier Manso Caballero from Hialeah, ditched his black Mercedes in the McDonald’s parking lot next to the bank, kicked off his flip flops, and took off running as officers tried to make an arrest.The police helicopter was able to lead K-9 officers to a heat signature of a man inside a shed on West Cherry Street, about a quarter mile away from the bank. The man was taken into custody a short time later.The customer that found the skimmer told officers on scene that he saw at least two other customers get cash out before he found the skimming device. There is no information, at this point, about how long the device might have been on the ATM. 1305
Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346