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With America’s student loan crisis reaching .5 trillion, it’s not just college graduates who are paying off the loans. Parents are now getting sucked in to pay.One man says he has a warning for other parents, before they try to help their children.Victor Turner, who is a veteran, took out Parent PLUS loans in order to send his daughter to college. "Out of all the loans, I think the highest one is about 0 a month, but there are 7 of them." Now, back in school himself and caring for his new son, Turner is not the only parent risking their financial future for their child’s future. In 2016, an average parent owed about ,000 on loans to help pay for their child's education. 734
With hurricane season in full swing, there's a lot of talk from meteorologists about hurricane "categories." What do they mean, and what do they tell us about a storm?It turns out, a hurricane's category is only based on one thing: wind speed.According to the National Hurricane Center's website, the agency relies on the Saffir-Simpson Hurricane Wind Scale to determine a storm's strength. The scale categorizes a hurricane on a 1-5 scale, based on the storm's maximum sustained winds — the one-minute average of the wind speed taken from inside the storm.When storms over the Atlantic begin to organized into a rotating system around a central "eye," and sustained wind speeds in the storm reach 39 mph, it's classified as a tropical storm. Once wind speeds in the system reach 74 mph, it becomes a hurricane.From there, the NHC uses the Saffir-Simpson Scale to determine how much destruction a hurricane is expected to inflict on an area. While any hurricane is expected to cause damage to homes and topple some trees in its path, higher wind speeds can lead to trees blocking roads and downing power lines, isolating communities without power or access to water for weeks — or even months.STRENGTHMAX SUSTAINED WIND SPEEDDESTRUCTION CATEGORY 1Between 74 mph and 95 mphWell-constructed houses could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly-rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days. CATEGORY 2Between 96 mph and 110 mphHouses could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block roads. Near-total power loss is expected with outages that could last from several days to weeks. CATEGORY 3 (major)Between 111 mph and 129 mphHouses may incur major damage or removal of roof decking and gable ends. Many trees — regardless of root depth — will be snapped or uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm passes.CATEGORY 4 (major)Between 130 mph and 156 mphHouses can sustain severe damage with loss of most of the roof structure and possibly some exterior walls. Most trees will be snapped or uprooted and power poles will topple. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.CATEGORY 5 (major)Above 157 mphA high percentage of framed houses will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.Any hurricane that reaches Category 3, with sustained winds above 111 mph, is considered a "major" hurricane. According to the NHC, that's because "of their potential for significant loss of life and damage." But that doesn't mean Category 1 and 2 hurricanes can't be deadly.The NHC itself says that Category 1 and 2 hurricanes are "still dangerous" and "require preventative measures."While Hurricane Sandy peaked at Category 3 intensity when it made landfall in Cuba in 2012, it had collapsed into a post-tropical cyclone by the time it reached New Jersey on Oct. 29. Even though the storm only had Category 1 strength winds, it still resulted in the deaths of 131 people in America, according to media reports, and an estimated billion in damages — the second-costliest hurricane in U.S. history up to that point.The Saffir-Simpson Scale also doesn't take into account storm surge in coastal areas and flash flooding caused by the surge and heavy rain. Flooding can cause significant property damage and make main roads — including expressways — inaccessible. 3864
When you stay at a hotel, you wouldn't think twice about having things like smoke detectors or fire extinguishers. But what about an Airbnb? New findings out suggest many Airbnb venues in the United States may be falling short.Monica Shaffer and her husband designed her mother-in-law basement to help guests feel right at home when using Airbnb."They have a private bathroom with their own walk-in shower," Shaffer said.But most importantly, she designed it to keep them safe, if there were ever a fire."They can get out to this door if they need to," Shaffer said. "If it's an emergency fire in this room we also keep a fire extinguisher on hand in the room. It's right down here. And fire alarm as is to be expected. And there was a carbon monoxide monitor too over in that quarter. If there's ever any concern for that."When asked why Shaffer decided to undertake safety precautions, "Well I think it's just a standard expectation," Shaffer answered.Unfortunately all of the attention and care Shaffer takes, may not be as standard as you think at other Airbnb locations. New findings out from the Relevant Journal show only 57.5 percent of Airbnb venues have carbon monoxide alarms, 42.2 percent have fire extinguishers, and 36 percent have first aid kits.The results surprised Shaffer. Most Airbnbs are in private homes, and although some states have standards for rental properties, national fire safety requirements don't usually apply. Although Airbnb encourages hosts to install fire safety equipment, it doesn't require them to provide proof. Researchers hope this information will change that."You know it's having those safety precautions in place that make you feel like you're at home," Shaffer said. "And Airbnb is about staying in people's homes and feeling at home."Airbnb responded to the study with this statement:“At Airbnb, safety is our priority. All hosts must certify that they follow all local laws and regulations. We run home safety workshops with local fire and EMS services all over the world, making sure our hosts have access to the best information in order to keep their guests, their homes and themselves safe. Every listing on Airbnb clearly states the specific safety amenities it has, including smoke and CO detectors, fire extinguishers, and first aid kits, so guests can look first and then decide whether that home, tree-house, yurt, or igloo is the one they want to book or not. In addition, every home in Airbnb's Plus Collection [airbnb.com] must have a smoke and CO detector in order to even be included. The study itself says it has not undergone any ethical review, it used data from three years before Airbnb Plus even debuted, and it looks to be designed to help an incumbent industry who has its own fire safety issues that need to be addressed.“We believe more work needs to be done across the board throughout the travel and tourism industry. According to the US Fire Administration [usfa.fema.gov] there are an estimated 3,900 hotel and motel fires each year that cause 15 deaths, 150 injuries and million in property loss. Even though there have been a number of tragic high profile hotel CO poisoning incidents, only 14 states [ncsl.org] require CO alarms in hotels by statute. Sadly, only 41% [census.gov] of all homes in the US even reported having working CO detectors. Whether a home is listed on Airbnb or not, all homes and hotel rooms should have smoke and CO detectors, fire extinguishers and first aid kits. At Airbnb we give out free smoke and CO detectors [airbnb.com] to each and every host who wants one. We have been doing this for the last three years.“We will reach out to the authors of the study, as we would like to work with them to increase awareness of safety measures for all homeowners, again, whether they are Airbnb hosts or not -- and transparency is key, so we will continue to ensure our guests know exactly what safety features their Airbnb has before they book it." 4023
What makes a successful relationship? As some couples have found out during the pandemic, and researchers have scientifically discovered, it may boil down to how you engage with each other and how committed each partner is.A study published this week in the Proceedings of the National Academy of Sciences looked at responses from more than 11,000 romantic couples, tracked over about a year.“People’s own judgments about the relationship itself—such as how satisfied and committed they perceived their partners to be, and how appreciative they felt toward their partners—explained approximately 45% of their current satisfaction,” the study’s authors note. “The partner’s judgments did not add information, nor did either person’s personalities or traits.”Top relationship-specific predictors of relationship quality:Perceived partner commitmentAppreciationSexual satisfactionPerceived partner satisfactionConflictA person's own perception of their relationship accounted for about 45 percent of their current satisfaction with their relationship at the onset of a study, and about 18 percent by the end of the study.The study’s authors note the results are based on self-reporting and more study is needed over a longer period of time to see if these characteristics hold true over the long run.If you haven’t lately, it might be a good time to let your partner know that you appreciate them. 1402
With no new stimulus bill, many Americans are approaching a financial cliff. Their unemployment benef