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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

You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

making Saturday, July 13, Nathan Bedford Forrest Day in the state.Forrest was a Civil War Confederate General, slave trader and an early KKK leader."How can you be a person of humanity, how and then support that statue, support a day when he was the head of the KKK, how can you do that," said Jim Wohlgemuth, with Veterans for Peace.For two years, Wohlgemuth and Veterans for Peace have been pushing a petition to remove a bust of Forrest from the Tennessee Capitol. "To (declare Forrest Day) again, to honor Nathan Bedford Forrest again with a day is just saying, guess what, if you're a person of color we don't care about you," Wohlgemuth said.Nathan Bedford Forrest Day has been observed in the state for nearly 50 years. The proclamation is causing controversy among some Democrat members of Tennessee House of Representatives."This a reminder of the painful and hurtful of the crimes that were committed against black people," Rep. Vincent Dixie (D-Nashville) said.Dixie says like many others he didn't know July 13 was Nathan Bedford Forrest Day in Tennessee. Dixie says this was the wrong move on the Governor's part."Now you're signing a proclamation honoring the same people that fought to keep people that look like me, African Americans in slavery," Dixie said."Tennessee governors are required by statute to issue a series of proclamations each year, including Nathan Bedford Forrest Day. The proclamation that was issued complies with this obligation and is in keeping with prior years," said Laine Arnold, a spokesperson for Lee.Dixie says it's time to take a more in-depth look at the law."I plan on working with legislators to correct this issue; If the governor is sincere about really being the governor for all Tennesseans and not some Tennesseans then he would get behind me, and do the right thing," Dixie said.The proclamation is not limited to Lee. Tennessee law mandates that the Governor must issue proclamations for six state holidays each yea,r including days for Nathan Bedford Forrest and Robert E. Lee. It has been a state law since 1971.Tennessee Code Annotated 15-2-101. Additional special observance days. 2142

her and fellow Rep. Ilhan Omar from visiting the country."Congresswoman Tlaib has sent tonight a letter to Minister Deri in which she committed to accept all the demands of Israel to respect the restrictions imposed on her in the visit, and she also promised not to advance boycotts against Israel during her visit," Interior Minister Aryeh Deri said Friday in a statement announcing his decision.The request from Tlaib of Michigan came a day after the country barred her and Omar, a freshman Democrat from Minnesota, from entering because of their support of a boycott against Israel. Israel's decision to bar their entry was encouraged by President Donald Trump in a remarkable step both by the US President and his ally, Israeli Prime Minister Benjamin Netanyahu, to punish political opponents.Tlaib had asked Deri for access so that she could visit her relatives, "and specifically my grandmother, who is in her 90s and lives in Beit Ur al-Fouqa. This could be my last opportunity to see her.""I will respect any restrictions and will not promote boycotts against Israel during my visit," Tlaib promised in the letter.The boycott movement, formally known as the Boycott, Divest, and Sanctions (BDS) movement, aims to end international support for Israel because of its policies toward Palestinians, as well as its continued construction of West Bank settlements, considered a violation of international law.Tlaib and Omar have been vocal critics of Israel and have supported the boycott movement, voting against a House resolution condemning the movement, which received broad bipartisan support.Strategic Affairs Minister Gilad Erdan, who leads Israel's fight against the boycott movement, tweeted Friday morning, "The request from Congresswoman Rashida Tlaib to visit her grandmother should be approved. Especially in light of her commitment to abide by Israeli law and not advance boycotts against us."Erdan is one of the members of the forum who met on Wednesday to discuss whether to allow Reps. Tlaib and Omar to enter the country.Ban came after Trump interventionThe announcement Thursday to prohibit the congresswomen from visiting Israel came shortly after Trump said Israel would be showing "great weakness" by letting them in.Trump has criticized the two lawmakers -- who are the first two Muslim women elected to Congress -- in harsh and sometimes racist terms. But his move to call for their ban in Israel reflects a new chapter in his grudge and a further erosion of presidential norms, which in the past sought to avoid instilling partisanship in foreign affairs.Trump's comments left Israel with little wiggle room, especially for Netanyahu, who has never publicly disagreed with Trump."The plan of the two Congresswomen is only to damage Israel and to foment against Israel," Netanyahu said in a statement following the decision.Omar responded to the decision Thursday slamming it as "an insult to democratic values.""It is an affront that Israeli Prime Minister Netanyahu, under pressure from President Trump, would deny entry to representatives of the U.S. government," Omar said in a statement. "Trump's Muslim ban is what Israel is implementing, this time against two duly elected Members of Congress."Omar went on to say, "As a member of the House Committee on Foreign Affairs, it is my job to conduct oversight of foreign aid from the United States of America and to legislate on human rights practices around the world. The irony of the 'only democracy' in the Middle East making such a decision is that it is both an insult to democratic values and a chilling response to a visit by government officials from an allied nation."Israel's decision to deny entry to the two freshmen congresswomen was a turnaround of a position taken last month when the country's Ambassador to the United States Ron Dermer said the pair would be permitted to visit Israel and the Palestinian territories. 3915

Your friends are getting married, and then they pop a question to you: Will you officiate at the wedding?Leading a marriage ceremony is an honor, and you don’t have to be a professional. Plus, it’s becoming more common for couples to look to their inner circles for wedding officiants. About 47% of couples had a friend or family member officiate at their wedding in 2017, up from 29% in 2009, according to online wedding-planning marketplace The Knot.But make sure you know what’s expected as an officiant. Here’s an overview with some expert advice and my own experience. 581

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