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Here's something scary: Even if you have the legal right to vote and have done everything to prepare yourself for Election Day, you could still be turned away at the polls.In recent years, almost two dozen US states have implemented laws that impose new restrictions on voting, which critics say disproportionally affect minority voters.The stricter laws stem from a 2013 Supreme Court decision that struck down parts of the 1965 Voting Rights Act, which required the approval of the Justice Department before states made any changes to their voting laws.In the last five years at least 23 states have placed restrictions on voting by closing polling places, cutting early voting, purging ineligible voters from electoral rolls and imposing stricter voter ID laws, reports the federal Commission on Civil Rights.With midterm elections around the corner and early voting already underway, it can be a tricky situation for thousands who are just looking to legally exercise their civic right as American citizens.But no matter what unexpected issues you encounter at your polling place, there are ways to make sure your vote gets in safely. Here are some tips. 1166

Having a full kitchen of healthy foods is becoming a luxury. Food pantries across the country are still seeing a dramatic increase in need.“I hope that we eventually get this thing under control, so we can wean everyone off the need for food pantries and shelters like ours, because this is not sustainable,” said Kim Guadagno, CEO of Fulfill, a New Jersey food bank.Guadagno says her organization has seen an increase in demand of almost 2.5 million meals compared to this time last year.Feeding America says at the peak in April, there was a 70% increase in demand, and it’s sustained around 60% higher.Many food banks say they're seeing many families for the first time.“You can always tell someone who has never been to a food pantry before. They come literally right up to this building in tears, because they’ve never had to ask for help before and it’s crushing to all of us,” said Guadagno.Feeding America expects that increased need will continue during the holidays, which is an important time for food banks.“We see increased awareness around hunger and food insecurity around the holidays. It’s a great time for food banks to fundraise. A lot of that fundraising helps sustain them throughout the year,” said Zuani Villarreal, Director of Communications at Feeding America.Food banks are having to purchase more product because of supply chain disruptions.They say right now, cash donations are critical for that and to purchase new supplies like PPE. 1471

Here's what's happening in the world of politics Saturday, Aug. 11, 2018.Congressman Collins suspends reelection campaign after insider trading charges— New York Republican Rep. Chris Collins will not seek reelection following charges of insider trading earlier this week.In a statement, Rep. Collins wrote it would be in the best interests for constituents that he suspend his reelection campaign."After extensive discussions with my family and friends over the last few days, I have decided that it is in the best interests of the constituents of NY-27, the Republican Party and President Trump's agenda for me to suspend my campaign for re-election to Congress."Wednesday, federal prosecutors charged Collins, his son, and another man with 13 counts of securities fraud, wire fraud, and false statement from the insider trading scheme around Australian pharmaceutical company Innate Immunotherapeutics Limited.Read more.North Korea continues to reject US proposals on denuclearization— North Korea has turned down repeated US proposals on denuclearization, CNN reports.The US has reportedly made "specific proposals for starting and proceeding to the end point of fully verified denuclearization," including a timeline, all of which have been rejected.North Korea has reportedly considered the proposals "gangster-like."President Trump met with North Korean leader Kim Jong Un in a June summit. The summit, however, produced no timetables, milestones, or promises, and instead, vague promises.Read more.Immigration lawyer for Melania Trump's parents pushes back on President's rhetoric— The immigration lawyer for First Lady Melania Trump's parents is calling President Trump's hardline stance on "chain migration" family visas "unconscionable.""It's unconscionable to scare people into believing that," the attorney, Michael Wildes, said Friday on CNN. "Imagine this, people will work harder and love more, and do more for America knowing that their loved ones, their immediate relatives, their parents, their children ... to say you can bring one relative and not another relative ... I can understand that some of them may be in jeopardy, and you may want to retool an antiquated immigration system. It looks weird to have a lottery system. But chain migration? No. Family reunification."Melania Trump's parents, Viktor and Amalija Knavs, were granted US citizenship Thursday.Read more. 2440

Grateful for all of the law enforcement officers who support us and help get us safely to where we are going each day. Thank you for all you do!— Mike Pence (@Mike_Pence) July 30, 2020 192

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278