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Heading to the beach for Memorial Day weekend? Perhaps you'll be enjoying the sun and sand at one of the top 10 beaches in the USA.For 2018, Kapalua Bay Beach in Maui is No. 1, according to coastal sciences professor Dr. Beach.Dr. Beach, also known as Stephen P. Leatherman, has been releasing an annual list of the United States' top beach destinations since 1991. Leatherman is professor and director of the Laboratory for Coastal Research at Florida International University.He uses 50 criteria to assess the beaches -- from water and sand quality to amenities, pests and views and vistas.Kapalua, a gorgeous white-sand crescent, is billed as perfect for swimming and snorkeling, and fish food and snorkeling gear are available from a concession hut at the north end of the beach.Lined by palm trees, the beach is protected from waves by the "arms" of lava flows, creating an area teeming with colorful fish.The second-ranked beach is nearly 5,000 miles away on the Outer Banks of North Carolina. Ocracoke Lifeguarded Beach is located on Ocracoke Island, which is only accessible via private boat or ferry.Rounding out the top three, the mile-long beach at Grayton Beach State Park is located in a 2,000-acre park on Florida's Panhandle. There are 30 cabins available for rent in the park. 1315
Grant Imahara, known for his roles on Discovery Channel's "MythBusters" and Netflix's "White Rabbit Project," has died, according to a statement from the Discovery Channel. He was 49 years old.“We are heartbroken to hear this sad news about Grant. He was an important part of our Discovery family and a really wonderful man. Our thoughts and prayers go out to his family,” the statement reads. 401

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
Grab your headphones and prepare to be blown away.NASA just announced it has heard the first-ever "sounds" of wind on Mars. But if you're expecting howling, swooshes and crackles, you're in for a surprise. These are vibrations, captured by NASA's InSight lander, which touched down on the Red Planet just last week. The craft will stay put until November 24, 2020, measuring quakes that happen anywhere on Mars.This week, the craft recorded something unexpected."InSight sensors captured a haunting low rumble caused by vibrations from the wind, estimated to be blowing between 10 to 25 mph (5 to 7 meters a second) on Dec. 1, from northwest to southeast," the agency said.An air pressure sensor and a seismometer recorded the noise through the vibrations in the air and vibrations around the aircraft "caused by the wind moving over the spacecraft's solar panels."This is the only time when vibrations from the lander will be recorded by the seismometer, since it will be moved by the craft's robotic armed and placed on the Martian surface, along with other instruments.The craft's landing comes as part of NASA's mission to explore the planet's deep interior.InSight lander's sensors are designed to detect quakes and air pressure through wind vibrations. The lander will measure whether tremors have the same effect as earthquakes. The Seismic Experiment for Interior Structure (SEIS), the seismometer, will use the vibrations to help scientists configure more about the planet's interior."Capturing this audio was an unplanned treat. But one of the things our mission is dedicated to is measuring motion on Mars, and naturally that includes motion caused by sound waves," Bruce Banerdt, the InSight principal investigator at NASA's Jet Propulsion Laboratory, said in a statement.To better hear this bass sound, it's better you bring out your headphones, or your subwoofer, as NASA suggested.You can hear the sounds here and listen to NASA's news telecon with a panel of scientists here.The-CNN-Wire 2011
Ghosts and goblins may not be the most popular costumes of 2020, but it appears Americans love classic Halloween costumes.According to Frightgeist, Google’s database of most-searched costumes, the witch is the No. 1 costume so far in 2020. The witch is up one spot from No. 2 from a year ago.No. 2 in 2020 is the dinosaur, which was No. 4 in 2019.The top 10 costumes of 2020 are as followed:1) Witch2) Dinosaur3) Harley Quinn4) Rabbit5) Clown6) Angel7) Fortnite8) Devil9) Ninja10) SpidermanIf you are having trouble picking a costume, Google has a tool that recommends a costume based on uniqueness, style, and trendiness. The tool can be seen here. 657
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