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on most of its classroom supplies and clothing items.From July 13-20 teachers can save 15% on select classroom supplies, women's and men's clothing.The promotion also applies to teachers who work in daycare centers, early childhood learning centers and home schools.Teachers must fill out a 293

— he was not on the ballot in New Hampshire or Iowa and will not be in the two remaining pre-Super Tuesday contests in Nevada and South Carolina — a 155

Bloomberg School of Public Health and Temple University. The study, titled “The Effect of Medical Marijuana Laws on Health and Labor Supply,” appeared in the spring 2019 issue of the “Journal of Policy Analysis and Management.” It suggests medical marijuana laws may improve the health and employment prospects of older Americans. “Our study is important because of the limited availability of clinical trial data on the effects of medical marijuana,” says Lauren Hersch Nicholas, assistant professor in the Bloomberg School’s Department of Health Policy and Management. “While several studies point to improved pain control with medical marijuana, research has largely ignored older adults even though they experience the highest rates of medical issues that could be treated with medical marijuana.” Among those who had a health condition that would qualify for medical marijuana in their home state, a 4.8 percent decrease in reported pain and a 6.6 increase in reported "very good or excellent health" were seen in the responses from more than 100,000 survey participants older than 51, according to a statement on the study from the Bloomberg School. The data came from the data from the 1992-2012 Health and Retirement Study, which is the largest nationally representative survey to track health and labor market outcomes for older Americans. Researchers looked for responses and symptoms that might affect a subject’s ability to work.“The study found that medical marijuana laws lead to increases in full-time work,” a statement from the school said. Looking at the sample of survey participants who qualified for medical marijuana treatment, researchers found a greater increase in full-time work after laws allowing access to medical cannabis passed in those states. The study suggests that the potential negative effects medical marijuana may have on worker productivity are outweighed by the increased capacity of those under such treatment to work. The results of the study may inform policy discussions about medical marijuana, potentially broadening support for more research into its use as effective medical treatment, the school said. Currently marijuana’s status as a Schedule 1 drug at the federal level limits opportunities to study the substance and build evidence that could be used for treatment or policy decisions. Currently 33 states and Washington, D.C., have laws that legalize marijuana for medical use. 2439

as part of the proposed tentative agreement reached with the United Automobile Workers union (UAW). The plant will close if the UAW-Ford Council and rank-and-file members approve the contract.The news comes one day after the union and automaker reached a proposed tentative agreement, which still has to be voted on by the national council to become an official tentative agreement and then ratified by 55,000 Ford-UAW workers.According to sources, the 600 employees who work at the engine plant will be offered jobs at the Ford Van Dyke Transmission Plant, which is located about 14 miles away. Workers can also take buyout packages and retire.Sources say no other plants will close under the proposed contract.The union began negotiations on Monday with Ford for a new contract. There has been no work stoppage with Ford employees, a stark contrast to the 40-day work stoppage General Motors employees wagered last month.Plant closings were a major issue between GM and the UAW after the company announced it would close four plants this year. Those plants included Warren (Michigan) Transmission, Lordstown, Ohio Assembly and Detroit Hamtramck Assembly. Detroit Hamtramck will remain open, building all-electric trucks and vans. Hundreds of workers in Lordstown had to move to seven other states to continue working for GM. Workers in Warren have transferred to Flint and other plants in distant cities.The Ford UAW Council will travel to Detroit from 18 states and will vote whether to send the Tentative Agreement to the rank and file tomorrow. Then, 55,000 Ford workers will have about a week to vote yes or no through their local unions in those 18 states.This story was originally published by Jim Kiertzner on 1722

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537