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Holding global warming to a critical limit would require "rapid, far-reaching and unprecedented changes in all aspects of society," says a key report from the global scientific authority on climate change.The Intergovernmental Panel on Climate Change (IPCC) report was released Monday at the 48th Session of the IPCC in Incheon, South Korea.It focuses on the impacts of global warming reaching 1.5 degrees Celsius (2.7 degrees Fahrenheit) above pre-industrial levels. The planet is already two-thirds of the way there, with global temperatures having warmed about 1 degree C.According to the report, the planet will reach this crucial threshold as early as 2030 based on our current levels of greenhouse gas emissions -- and avoiding going even higher will require significant action in the next few years.Global net emissions of carbon dioxide would need to fall by 45% from 2010 levels by 2030 and reach "net zero" around 2050 in order to keep the warming around 1.5 degrees Celsius.Lowering emissions to this degree would require widespread changes in energy, industry, buildings, transportation and cities, the report says.But even if warming is able to be kept to 1.5 degrees Celsius, the impacts would be widespread and significant.Temperatures during summer heatwaves, such as those just experienced across Europe this summer, can be expected to increase by 3 degrees Celsius, according to the report.More frequent or intense droughts, such as the one that nearly ran the taps in Cape Town, South Africa, dry, as well as more frequent extreme rainfall events such as hurricanes Harvey and Florence in the United States, are also pointed to as expectations as we reach the warming threshold.Monday's report is three years in the making and is a direct result of the 2015 Paris Climate Agreement. In the Paris accord, 197 countries agreed to the goal of holding global temperatures "well below" 2 degrees C above pre-industrial levels and to pursue efforts to limit it to 1.5 degrees C.The United States was initially in the agreement. But President Donald Trump pulled the country out?a year and half later, claiming it was unfair to the country. 2185

HIROSHIMA, Japan (AP) — The city of Hiroshima in western Japan is marking the 75th anniversary of the U.S. atomic bombing.The Aug. 6, 1945, bombing was the world’s first nuclear attack. Three days later, the United States dropped a second atomic bomb on Nagasaki.Japan surrendered on Aug. 15, ending World War II and the Japanese aggression in Asia that lasted nearly half a century.Hiroshima was a major Japanese military hub with factories, military bases and ammunition facilities before the bombing.An estimated 140,000 people, including those with radiation-related injuries and illnesses, died from Aug. 6 through Dec. 31, 1945. That was 40% of Hiroshima’s population at the time. Hiroshima today has 1.2 million residents.Thursday, survivors of the Hiroshima bombing gathered in diminished numbers to mark the anniversary. They urged the world, and their own government, to do more to ban nuclear weapons.The coronavirus meant a small turnout, but the survivors’ message was more urgent than ever.Survivors want younger generations to learn their lessons while they are still around.As a girl, Koko Kondo had a secret mission: Revenge against those who dropped the Aug. 6, 1945, atomic bomb. She has overcome her hatred, as well as humiliation and discrimination.Kondo now is a peace activist following in the footsteps of her father, Rev. Kiyoshi Tanimoto, one of six survivors featured in John Hersey’s book “Hiroshima.” 1437

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

GRAND PRAIRIE, Texas (AP) — Police in Texas say the actor Eddie Hassell has died in a shooting.The 30-year-old was known for his roles in the NBC show “Surface” and the 2010 film “The Kids Are All Right.”Police say the shooting happened early Sunday in the Dallas suburb of Grand Prairie.Officers responded to the shooting in the 3000 block of West Bardin Road at about 1:50 a.m. and located Hassell suffering from apparent gunshot wounds. First aid was rendered as the Waco resident was transported to the hospital, where he was pronounced deceased.Police say they don't yet have a motive, but that a car had been taken from the scene of the shooting. No arrests have been made, but police said the car has since been recovered.Investigators are asking for the public’s help identifying the suspect(s) involved. A cash reward up to ,500 is being offered for information that leads to an arrest. Tips can be submitted anonymously at 972-988-8477.Investigators are asking for the public’s help in identifying the suspect(s) involved. @GPCrimeStopper3 is offering a cash reward of up to ,500 for information that leads to an arrest. Tips can be submitted anonymously at 972-988-8477 or online at https://t.co/F0UFwPQvwH 3/3— Grand Prairie Police (@GrandPrairiePD) November 2, 2020 1291

Has @BubbaWallace apologized to all of those great NASCAR drivers & officials who came to his aid, stood by his side, & were willing to sacrifice everything for him, only to find out that the whole thing was just another HOAX? That & Flag decision has caused lowest ratings EVER!— Donald J. Trump (@realDonaldTrump) July 6, 2020 348