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President Donald Trump and Former Vice President Joe Biden are squaring off for the first presidential debate in Cleveland. But do debates make a difference when it comes to the actual result? DEBATE HISTORY The first presidential debate between general election candidates on television was in 1960. Immediately, there was an impact with viewers reporting they felt Richard Nixon looked ill compared to the young Sen. John F. Kennedy. Nixon elected to not wear makeup and often had a sweaty lip during much of the debate, while Kennedy wore makeup. The next presidential debate didn't happen until 1976 when sitting President Gerald Ford delivered the first major gaffe in a debate. Ford claimed, "there is no Soviet domination of Eastern Europe." At the time, all of Eastern Europe experienced some influence from the Soviet Union. Humor has often been used in debates as well. In 1984, President Ronald Reagan was criticized for his age during his reelection campaign. Reagan responded to the moderator's question by saying, "I want you to know that also I will not make age an issue of this campaign. I am not going to exploit, for political purposes, my opponent's youth and inexperience."IMPACT ON RESULTSHowever, since 1984, there are few examples of debates dramatically shaping the race. In every election, except 2000 and 2016, the candidate leading going into the debate ended up winning the presidency. As a result, more articles have been written like this in recent years: "Debates don't matter the way people think they do." 1549

POWAY, Calif. (KGTV) -- A man who went missing from Poway Saturday night has been found safe. Authorities said Sunday morning that 84-year-old Orlando H. Lugo was last seen around 10:30 p.m. Saturday night. Lugo suffers from memory loss.He was later spotted around 9:20 a.m. walking along the side of southbound Interstate 15 near Scripps Poway Parkway. He has previously walked from Poway to Mira Mesa and Escondido. Lugo was taken to the hospital for a medical evaluation.  508

President Donald Trump has begun the initial steps of preparing for a possible interview with the special counsel, a White House official and a person familiar with the situation said Friday, a sign the President's legal team is intensifying its deliberations over whether to allow him to come under Robert Mueller's questioning.One source familiar with the proceedings stressed the preparation efforts is "in its infancy."The preparations have been short and informal and included going over potential topics with the President that Mueller would likely raise in an interview, the people said. 602

President Donald Trump predicted on Friday that the US would have enough coronavirus vaccines for anyone who wanted one to have one by April 2021.Trump’s timeline is a bit sped up compared to timeframes offered by several government experts, including CDC Director Robert Redfield and Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases. Fauci and Redfield have suggested the a potential coronavirus vaccine would be widely available by the middle of 2021.Trump said that the US would begin distributing vaccines within 24 hours of FDA approval of a vaccine, which he has suggested could happen as soon as the end of October.“We will have manufactured at least 100 million vaccine doses before the end of the year,” Trump said. “And likely much more than that. Hundreds of millions of doses will be available every month and we expect to have enough vaccines for every American by April. Again, I will say even at that later stage, delivery will go as fast as it comes, they can deliver.”Dr. Scott Atlas, a neurosurgeon who recently joined the White House coronavirus task force, agreed with Trump’s timeline. The highest risk Americans could expect to be vaccinated by January.“The people on the prioritized lists, including high risk and first responders will have the ability to take the vaccine. At the latest, in January,” Atlas said.“There will be hundreds of millions of doses delivered for people to take it during the first quarter [of 2021] and so that by April, every single American who wants to be vaccinated will have the ability to be vaccinated. It is not a forced vaccination,” Atlas added.Redfield said it might not be until the middle of 2021 before a vaccine is widely available."I think we're probably looking at third late second quarter, third quarter 2021,” he said on Wednesday.Trump later said that Redfield was “confused” over the timing of a vaccine."I think he made a mistake when he said that,” Trump said. “That's just incorrect information. I called him and he didn't tell me that and I think he got the message maybe confused. maybe it was stated incorrectly.”Trump said on Friday that he thinks the timeline given by Redfield and Fauci can be shortened “considerably.”There are several vaccines in Phase 3 testing. Even though a vaccine could be approved by year’s end, trials will be expected to continue for over a year to monitor for possible side effects.According to the FDA, a typical Phase 3 trial would take one to three years. 2514

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

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