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President Donald Trump and Joe Biden met for the second and final time for Thursday’s debate before next month’s presidential election. For millions of voters, their decision has already been made as early voting figures are being tallied at a record pace.NBC News anchor Kristen Welker presided over a debate that featured fewer interruptions between the candidates.CoronavirusTrump backed reopening the economy as America encounters another wave of coronavirus cases. During Thursday’s debate, Trump said that Biden wanted to shut down the economy while slamming the leaders’ of Democrat-led states for their handling of the coronavirus."I said this is dangerous. You catch it. I caught it. I learned a lot. Great hospitals. Now I recovered. 99.9 of young people recovered. 99% of people recover. We have to recover. We cannot close our nation. We have to open schools, we cannot close our nation," Trump said. While the coronavirus has a 99% survival rate, public health experts have warned that the virus causes long-term health effects, including lung and heart damage.Biden has said that he would listen to scientists on whether to recommend economic shutdowns amid the pandemic.“What I would say is I'm going to shut down the virus, not the country,” Biden said. “It's his ineptitude, the cause the virus caused the country to have to shut down in large part. Why businesses have gone under; why schools are closed? Why so many people have lost her living and why they're concerned. Those other concerns are real.”Trump said," We are rounding the turn, we are rounding the corner."Biden challenged the president for his handling of the pandemic."220,000 Americans dead,” Biden said. “If you hear nothing else I say tonight, hear this. Anyone who's responsible for not taking control. In fact, not saying, 'I'm, I take no responsibility initially.' Anyone who's responsible for that many deaths should not remain as president of the United States of America."Trump defended his handling of the virus, pointing that the federal government is ready to distribute a vaccine once one is approved by the FDA.“I think my timeline is going to be more accurate,” Trump said, casting doubt on lengthier timelines offered by public health experts. “I don't know that they're counting on the military the way I do, but we have our generals lined up-- one in particular -- that's the head of logistics and this is a very easy distribution for him. He's ready to go. As soon as we have the vaccine, and we expect to have a hundred million vials, as soon as we have the vaccine, he's ready to go.”ImmigrationIf elected, Biden said that he would offer a pathway for nearly 11 million Americans. Dreamers were generally brought to the US at a young age and never gained full legal status. DACA, signed by President Barack Obama as an executive order, protected a group of 800,000 American residents from deportation. Those 800,000 young undocumented immigrants were those who entered the United States as a child and have been in the United States since 2007.Those who qualify under DACA are given two-year work permits, which allows them to stay in the United States with some legal status.But Biden said that his plan would go a step further, offering legal status to millions of additional undocumented immigrants.But the Trump administration decried Biden during his time serving as Obama’s vice president, saying that the Obama administration build “cages” used to keep children in custody.Social SecurityBiden criticized Trump’s proposal to eliminate the payroll tax, echoing claims that eliminating the payroll tax would cause Social Security to run out of funding by 2023.Stephen Goss, the chief actuary for the Social Security Administration, told the US Senate in August, that a hypothetical bill that would make the tax deferment permanent would cause Social Security to no longer be able to make payments to beneficiaries by the middle of 2023.“This is the guy who if in fact he continues to withhold the tax on social Security, Social Security will be bankrupt by 2023 with no way to make up for it,” Biden said. “This is the guy who has tried to cut Medicare. The idea that Donald Trump is lecturing me on social security and Medicare? Come on.”“He tried to hurt Social Security years ago. Years ago. Go back and look at the records. He tried to hurt social security years,” Trump said in response to Biden.Minimum wageTrump first said during Thursday’s debate that increasing the minimum wage should be a “state option,” but moments later, he conceded he would be open to raising the federal minimum wage.“It should be a state option,” Trump said. “Alabama is different from New York. New York is different from Vermont. Every state is different. We have to help our small businesses. How are you helping small businesses when you are forcing wages -- what has been proven to happen is when you do that, the small businesses fire many other employees?”However, Trump said, “I would consider it to an extent in a second administration, but not to a level that would put them out of business.”Trump said that in some areas, a minimum wage makes sense, but not in other regions.Biden suggested that a national minimum wage should be an hour. However, Biden claimed that first responders are making as little as an hour, while the federal minimum wage is .25.“They deserve a minimum wage of . Anything below that puts you below the poverty level. There is no evidence that when you raise the minimum wage, businesses go out of business,” Biden responded.LeadershipThe final question Welker posed to the candidates was what their message would be, if elected, to those who do not vote for them.“We have to make our country totally successful as it was prior to the plague coming in from China,” Trump said. “Now we are doing record numbers. 11.4 million jobs in a short time, etc. Before the plague came in, I was getting calls from people that would not normally call me. They wanted to get together."We had the best Black unemployment numbers in the history of our country, Hispanics, women, Asian, people with diplomas, with no dimplomas, everyone had the best numbers. The other side wanted to unify. Success is going to bring us together.”Biden’s response?“I am an American president,” Biden said. “I represent all of you whether you vote for me or against me. I will give you hope. We will choose science over fiction, hope over fear. We will choose to move forward because we have in enormous opportunities -- enormous opportunities. We can grow this economy. At the same time we can make sure our economy is being motivated by clean energy, creating millions of new jobs.“That is what we are going to do. As I said at the beginning, what is on the ballot is the character of this country. Decency, honor, respect, treating people with dignity.” 6876

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

President Donald Trump said Thursday that he will throw out the first pitch at the New York Yankees game on August 15. The event will mark the first time as president Trump has thrown the first pitch.The Yankees will take on the Boston Red Sox that night.Trump made the announcement during a news briefing on the coronavirus after speaking to New York Yankees president Randy Levine earlier."I think I’m doing that on Aug. 15 at Yankee Stadium," Trump said during the briefing. "And I say, 'How’s the crowd going to be?' And, you know, it’s like you don’t have a crowd."Major League Baseball is opening its season Thursday.Sitting in the briefing with Trump was Yankees legendary closer Mariano Rivera. The hall-of-fame reliever who won five World Series titles with the Yankees was at the White House as part of an event with youth baseball players in honor of MLB Opening Day. 886

Predicting the outcome of elections can sometimes be easy. Other years, it is not. Professor Allan Lichtman has predicted every election since 1984, using a model he developed alongside Soviet Union scientists.One of Lichtman's proudest achievements was accurately predicting the 2016 election. President Donald Trump signed a Washington Post article about Lichtman in recent years with his autograph and the phrase "good call."THE METHODLichtman doesn't look at polls."Polls are not predictors, they are misused as predictors," Lichtman said.Instead, Lichtman looks at the political party currently controlling the White House. Then he uses 13 keys to gauge whether the party controlling the White House will lose or not.They are: midterm gains, no contest in the primary, incumbency, no third party, strong short-term economy, strong long-term economy, major policy change, no social unrest, no scandal, no overseas failure, major overseas achievement, charismatic incumbent, uncharismatic opponent."If six or more, any six more, turn against the party holding the White House, they are a predicted loser," Luchtman said.2020 PREDICTIONLichtman says before 2020, Trump appeared to be heading to a reelection. However Trump has now lost seven keys.In Lichtman's opinion, Trump has lost midterm gains, short term economy, long-term economy, no social unrest, no scandal, major overseas achievement, and charismatic incumbent."Could I be wrong? Of course human beings are wrong. But my keys have quite a track record," Lichtman said. 1541

POWAY, Calif. (KGTV) - A state inspection found 12 flaws in Poway's drinking water delivery system less than three months before the city's precautionary boil water advisory.City officials remain adamant that the issues raised by the inspection had nothing to do with the nearly week-long advisory that ended Dec. 6. The September 2019 inspection, from the State Water Resources Control Board, raised a series of issues - some administrative. It says some of Poway's distribution system reservoirs haven't been cleaned or inspected in more than five years; that the city's coagulant feed pump meter isn't working, and that the city needs to update its water quality alarm systems for chlorine and clarity. RELATED: Poway businesses affected by boil water advisory get help from San Diego County"The following is a summary of our findings and a discussion of deficiencies observed during the inspection, which must be addressed to better protect public health and improve system reliability," says the inspection, dated Sept. 19. The city issued the precautionary boil advisory on Nov. 30 after a Thanksgiving rain storm. A storm drain overflowed and backed up into its water treatment facility's clearwell reservoir due to Thanksgiving rains. Residents began reporting brownish water. The city temporarily fixed the problem, but state officials have said they anticipate issuing fines. RELATED: Mayor: Water Crisis critics are politically motivatedPoway officials expressed shock at that revelation, citing the September report. The city has declined to release the report, but 10News obtained it from the state via a Public Records Act request. The city declined a request for an interview, but a spokeswoman said it has met the deadlines the inspection gave to address the issues it raised. 1802

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