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The Education Department released its draft text for its new student-debt relief plan. AdvertisementAdvertisementOver the past few years, Insider has heard from a range of borrowers who have struggled to get ahead of their student debt. Now, President Joe Biden's Education Department is moving forward with its new plan for student-loan forgiveness — and it wants feedback on which situations would meet a "hardship' standard for relief. The department said it did not include that group of borrowers in its initial draft text for debt relief because it needs to further define what hardship means. Do you think your student debt experiences should qualify as hardship?
Persons: , Joe Biden's, Pell, Tamy Abernathy Organizations: Education Department, Service, Joe Biden's Education Department, Higher
While Fewer Americans Have High Cholesterol, Too Many Still Do
  + stars: | 2023-11-01 | by ( Nov. | At A.M. | ) www.usnews.com   time to read: +5 min
By Cara Murez HealthDay Reporter(HealthDay)WEDNESDAY, Nov. 1, 2023 (HealthDay News) -- Despite progress in recent decades, too many Americans still have dangerously high LDL cholesterol levels, and about a quarter don't even know it, new research finds. Of course, you can only start treatment for high cholesterol if you know your cholesterol numbers are high. “That's why it's absolutely imperative that everybody should get their cholesterol checked and they should know their numbers,” Virani said. Being unaware and untreated for high cholesterol disproportionately affected Black, Hispanic and poorer people. “Clinicians have a lot of options to treat these patients and make sure that both their quality and quantity of life is not compromised just because of these high LDL cholesterol levels,” Virani said.
Persons: Cara Murez HealthDay, , Dr, Salim Virani, ” Virani, there's, It’s, Virani, Janet Wei, Wei, it’s, ” Wei Organizations: Research, Aga Khan University, . National Health, Heart, U.S . Centers for Disease Control, Graduate Studies, Smidt Heart Institute, JAMA Locations: Karachi, Pakistan, U.S, Cedars, Sinai, Los Angeles
Why working longer is a bad retirement plan
  + stars: | 2023-10-31 | by ( Greg Iacurci | ) www.cnbc.com   time to read: +3 min
Daniel Gonzalez | Moment | Getty ImagesWorking longer is among the best ways to ensure you don't outlive your retirement savings. When it comes to retirement age, there's a big gap in expectations versus reality. But the actual retirement age was 62, on average. watch nowThose who target a retirement age past 61 end up making it about half as far as expected, he found. Social Security's full retirement age has gradually been pushed back, to as late as age 67 for anyone born in 1960 or after.
Persons: Daniel Gonzalez, Gallup, Blanchett, Richard Johnson, , EBRI, Johnson Organizations: Gallup, Urban Institute . Pensions, Urban Institute
Relational aggression among teens isn’t anything new, but it can be especially hideous when it plays out alongside cyberbullying. Relational aggression among minors is complexCancel culture trickled down to teens, tweens and even younger children, and the combination of cyberbullying and social isolation in school can be swift. Protective factors are essentialTeens need sources of support and understanding when they’re dealing with relational aggression and cyberbullying, and this is where protective factors become important. • Research the reporting options at your teen’s school in case your teen decides to seek help on campus. What’s difficult about relational aggression is that it’s often subtle and under the radar of adults working in teen spaces.
Persons: Katie Hurley, , Strong, tweens, It’s Organizations: Jed, CNN, cyberbullying, PACER’s, Prevention, Pew Research Center, National Institute of Mental Health, Locations: Covid
Legal experts have sparred over whether the constitutional clause applies to Trump, and even those who say it’s a legitimate challenge acknowledge that it’s a long shot. Undoubtedly, the proceedings will explore in depth whether the Jan. 6 riot was indeed an insurrection and the degree to which Trump fomented it. Trump took an oath as president pursuant to Article II, not as an officer pursuant to Article VI. Because the Insurrection Clause applies only to those who have taken an oath ‘as an officer of the United States,’ he can’t be barred by that clause from serving in any capacity,” Mukasey wrote. The losing side can – and is widely expected to – challenge the ruling at the Colorado Supreme Court and the U.S. Supreme Court.
Persons: Donald Trump, Trump, , ” Mario Nicolais, , Scott Gessler, He’s, Jack Smith, Fani Willis, William Baude, Michael Paulsen, Baude, Paulsen, Michael Mukasey, , ” Mukasey, John Roberts, Mr Organizations: Capitol, Citizens, GOP, Republican Party, Arizona Trump, Constitution, D.C, Trump, University of Pennsylvania, Street Journal, United, Colorado Supreme Court, U.S, Supreme Locations: United States, Colorado, Minnesota, Denver, Washington, Michigan , New Hampshire , New Jersey, Arizona, U.S, Georgia’s Fulton County
President Joe Biden delivers remarks on new efforts to cancel student loan debt at the White House on Oct. 4, 2023. watch nowThe Biden administration has evaluated millions of borrowers' loan accounts to see if they should have had their debt cleared. Paul Morigi | Getty ImagesThe Biden administration has tried to reverse the trend of borrowers being excluded from the relief on technicalities. Total and Permanent Disability dischargeThe Biden administration has also forgiven the student debt of more than 500,000 disabled borrowers. The $11.7 billion in aid was delivered under the Total and Permanent Disability discharge.
Persons: Joe Biden, Kevin Dietsch, Mark Kantrowitz, Kantrowitz, Biden, George W, Bush, Paul Morigi Organizations: White, Getty, Public, Consumer Financial, Bureau, Studentaid.gov, U.S . Department of Education, Social Security Administration, The Department of Veterans Affairs
Ms. Land got married in 2019 to a veteran who is eligible to receive disability payments through the U.S. Department of Veterans Affairs, but two late student-loan payments had left him ineligible for a V.A. They tried to move from Missoula, Mont., to Raleigh, N.C., in early 2020 and were seeking a mortgage of about $350,000. But her book deal and its promise of future payments weren’t enough for her to qualify for one. But if the show doesn’t get made at all, no more money generally comes your way — and production hadn’t started yet when Ms. Land was trying to buy a home. Like many nonfiction authors, Ms. Land turned to speaking.
Persons: Land, , Land’s, hadn’t Organizations: U.S . Department of Veterans Affairs, Netflix Locations: Missoula, Mont, Raleigh, N.C
I started working when I was in junior high, and I've always been glad to be able to earn money. I have chronic paranoid schizophrenia, and I haven't been able to work full-time since a 2006 episode. I've adapted as much as I can, but the limitations on when and how I can earn money are demoralizing. I've worked a variety of odd jobs since junior high. The hard truth is that I would have to seek housing with a family member without my husband's income.
Persons: I've, haven't, , I'm Organizations: Service
The decision comes just days before a trial on Trump's eligibility for the ballot is expected to begin. In a 24-page ruling, Colorado District Judge Sarah Wallace pushed back on Trump's argument that Congress, not courts, should handle questions related to his ballot eligibility. She also sided against Trump's claim that state election officials lack the power to enforce Section 3 of the 14th Amendment. Wallace's ruling Wednesday comes after Chief U.S. District Judge Philip A. Brimmer denied Trump's request to move the Colorado ballot case to federal court. In a four-page order, Brimmer sent the lawsuit back to the same state court in Denver County where it was filed on behalf of the group of voters.
Persons: Donald Trump, Trump, Sarah Wallace, Wallace, Philip A, Brimmer, George W, Bush, Jena Griswold Organizations: U.S, Republican, Wednesday, Capitol, NBC, United States Congress, Chief U.S Locations: Cedar Rapids , Iowa, U.S, Colorado, Denver, Washington, Denver County, Jena
NEW YORK (AP) — Scholastic Inc. will end a widely criticized policy that made it easier for school book fairs not to sell works with racial, disability and LGBTQ+ themes. “This fall, we made changes in our U.S. elementary school fairs out of concern for our Book Fair hosts. In doing this, we offered a collection of books to supplement the diverse collection of titles already available at the Scholastic Book Fair. We understand now that the separate nature of the collection has caused confusion and feelings of exclusion,” according to a Scholastic statement issued Wednesday. The Share Every Story, Celebrate Every Voice collection will not be offered with our next season in January.
Persons: Amanda Gorman, , Organizations: Inc, ” Scholastic, Fair, Scholastic Locations:
Douglas Sacha | Moment | Getty ImagesWhen Covid-19 stimulus checks were deployed to millions of Americans, the government reassured Social Security and Supplemental Security Income beneficiaries they were eligible for payments. Social Security beneficiaries have also reportedly received overpayment notices. Ron Wyden, D-Ore.; Sherrod Brown, D-Ohio; and Bob Casey, D-Pa. — to send a letter to the Social Security Administration last week stating they are "deeply concerned." One reason for that is it can be a challenge for the Social Security Administration to communicate guidance all the way down to the local level, she said. "If you receive an overpayment notice from the Social Security Administration, and believe that it was due to a Covid stimulus payment or another error that was made by the Social Security Administration, you should file an appeal," Milburn said.
Persons: Douglas Sacha, , — Sens, Ron Wyden, Sherrod Brown, Bob Casey, Kilolo Kijakazi, Brown, Darcy Milburn, It's, Milburn Organizations: Social Security, Social, Democratic, , Social Security Administration, SSI Locations: Ohio
Sony Interactive Entertainment is the maker of the wildly popular PlayStation consoles and a lineup of fan-favorite PlayStation games. Paul Amadeus Lane, an accessibility consultant working with Sony Interactive Entertainment, is pictured here with the Access controller, a Sony device specifically designed for gamers with disabilities. After years of tinkering and consulting with gamers who have disabilities like Lane, Sony Interactive Entertainment unveiled a first look at its Access controller for gamers with disabilities earlier this month. Gamers get a first look at Sony's Access controller, a highly-customizable device designed specifically for people with disabilities, at an event in San Mateo in September. “The industry needs to understand that the Xbox controller, the PlayStation controller, while they’re great and while they’re very beneficial, they cannot help everyone,” he said.
Persons: CNN — Grant Stoner, ” Stoner, I’ve, Stoner, Grant Stoner, Paul Amadeus Lane, quadriplegic, Lane, ” Lane, Alvin Daniel, ” Daniel, Daniel, , , he’s, there’s Organizations: CNN, Super Nintendo, , Pittsburgh, Sony, Sony Interactive Entertainment, Xbox, PlayStation, Nintendo, Gamers, Sony’s PlayStation, Gran Turismo Locations: San Mateo
NASHVILLE, Tenn. (AP) — LGBTQ+ and civil rights advocates on Tuesday filed a federal lawsuit challenging Tennessee's aggravated prostitution statute, arguing that the law stems from the decades-old AIDS scare and discriminates against HIV-positive people. The law was later reclassified in 2010 as a “violent sexual offense," requiring those convicted to face lifetime sex offender registration. Another plaintiff has struggled for years to find housing that complies with Tennessee's sex offender registry requirements. A separate plaintiff is currently incarcerated for violating a sex offender registry requirement and has chosen not to seek parole despite being eligible because complying with registry requirements has become so onerous. According to the complaint, 83 people are currently registered for aggravated prostitution in Tennessee.
Persons: , Molly Quinn, OUTMemphis, Bill Lee, Jonathan Skrmetti, David Rausch, Frank Strada, , Jane Doe Organizations: American Civil Liberties Union, Transgender Law Center, , of, Centers for Disease Control, Prevention, CDC, Memphis Police, Unit Locations: Tenn, Tennessee, United States, U.S, Memphis, Illinois, New Jersey, Virginia, Shelby County
Dollar General rescinded job offers to applicants with high blood pressure or poor eyesight, an EEOC lawsuit claims. AdvertisementAdvertisementDollar General violated disability-discrimination laws by rescinding job offers to some applicants with high blood pressure or poor eyesight, a federal agency said in a lawsuit. AdvertisementAdvertisementThe retailer rescinded job offers for some qualified individuals with disabilities, even when these wouldn't affect their ability to safely carry out the job, the EEOC's suit claimed. "Any alleged discriminatory or otherwise unlawful behavior imputed to Dollar General was neither intentional, knowing, reckless, nor malicious," the retailer said. Insider contacted Dollar General for comment, but did not immediately receive a response, outside regular US business hours.
Persons: , EEOC, GINA, Madeline Hughes Haikala, Bradley Anderson Organizations: Service, Commission, Dollar, Court, Northern, Northern District of, Disabilities Locations: Bessemer , Alabama, Bessemer, Alabama, Northern District, Northern District of Alabama, Birmingham , Alabama
Washington CNN —Although the Supreme Court struck down President Joe Biden’s signature student loan forgiveness program in late June, his administration has found ways to cancel more than $48 billion in debt since then. That’s more student loan forgiveness than was granted under any other administration – in part due to the Biden administration’s efforts to temporarily expand some debt relief programs and to correct past administrative errors made to borrowers’ student loan accounts. Expanding debt relief program for public-sector workersNearly $51 billion of student loan debt has been canceled for 715,000 borrowers through the Public Service Loan Forgiveness program since Biden took office. The PSLF program cancels outstanding federal student loan debt for public-sector workers who have made 120 qualifying monthly student loan payments, or about 10 years’ worth of payments. Nearly 513,000 borrowers with a total and permanent disability have received $11.7 billion in student loan forgiveness since 2021.
Persons: Joe Biden’s, Biden, Trump, they’d, , , Virginia Foxx, , Abby Shafroth, Shafroth, Betsy DeVos Organizations: Washington CNN, of Education, Office, Congress, , CNN, Department of Education, Republican, Education, White, New Civil Liberties Alliance, Cato Institute, Mackinac Center for Public Policy, National Consumer Law Center, Loan, Public, PSLF, University of Phoenix, Corinthian Colleges, Social Security Administration, Department of Veterans Affairs, Department, Social Security Locations: Michigan
Through the Denver Basic Income Project, they received $6,500 up front and $500 monthly for a year. These payments helped them rent an apartment, buy a car, and improve their mental health, they said. How basic income worksOver the course of a year, the Denver Basic Income Project gives participants cash payments of varying amounts. The Denver Basic Income Project began in 2021 and was granted a $2 million contribution from the city. AdvertisementAdvertisementBroncucia and Searls participated in the Denver Basic Income Project.
Persons: Dia Broncucia, Justin Searls, , Broncucia, Searls, Mark Donovan, Armando Generyo, Donovan Organizations: Income, Service, University of Denver's, Housing, Homelessness Research, Social Security Disability Insurance Locations: Denver, San Francisco, New York, Santa Fe , New Mexico, Vancouver , British Columbia
The actress Ali Stroker never thought she would write a book. “Growing up, I didn’t like reading,” said Stroker, who in 2019 became the first performer who uses a wheelchair to win a Tony Award. “Books didn’t have any characters I related to.”But when Stacy Davidowitz, the author of the middle-grade series Camp Rolling Hills, asked to interview her because a character she was working on had a disability and worked in theater, Stroker had an idea: What if they wrote a story together? “That’s what I always tell anybody who wants to do something they’re not sure they know how to do: Find somebody who does and collaborate with them,” Stroker, 36, who lives in Westchester County, said in a phone interview on the way to a rehearsal in Manhattan. Their partnership led to “The Chance to Fly,” a middle-grade novel published in 2021, and a sequel out this month, “Cut Loose!”
Persons: Ali Stroker, , Stroker, Stacy Davidowitz, ” Stroker Organizations: Rolling Hills Locations: Westchester County, Manhattan
A recent survey on hiring practices led by hiring software company Greenhouse found "pretty sobering stats" about discrimination in hiring processes, says Ariana Moon, head of talent planning and acquisition at the company. Almost one-fifth of job seekers tried to protect themselves against these discriminatory hiring practices by changing their names on applications. Of those that change their names, 45% did so to sound 'less ethnic', 42% to sound younger and 22% to sound like the opposite gender. Under federal employment law, applicants are protected from employment discrimination that may be based on race, color, religion, sex, national origin, age, disability or genetic information. ET to learn how to level up your interview and negotiating skills, build your ideal career, boost your income and grow your wealth.
Persons: Greenhouse, Ariana Moon Organizations: CNBC
A Japanese policeman checks the signs to be used during the opening parade at the Olympic Games in Tokyo, 1964. Police officers stand guard at the rowing and kayak competitions venue at Lake Lanier near Gainesville, Georgia, ahead of the 1996 Olympic Games. Helsinki, which built the first permanent Olympic Village in 1952, created a successful and architecturally distinguished neighbourhood of social housing. Barcelona’s 1992 Olympic Village became the epicentre of a process of beachside gentrification and soaring house prices. Until that changes, we can expect the staging of future Olympic Games to look the same.
Persons: David Goldblatt, Read, David Goldblatt David Goldblatt, Douglas Miller, Charles Platiau, dockets, Buda Mendes, Barcelona’s, Urman Lionel, Denis Organizations: CNN, Olympic, Hulton, Getty, LAPD, Atlanta, Police, Housing Rights, Pan American Games, Rio de, City Council, Melbourne Olympic Games, Asahi Shimbun, City, Games, International Olympic Committee, Olympic Games Locations: British, Paris, Berlin, Roma, Tokyo, Moscow, Los Angeles, Lake Lanier, Gainesville , Georgia, Atlanta, Seoul, Beijing, Rio de Janeiro, Rio, Brazil, Buda, Helsinki, Melbourne, Japan, Australia, Mexico, Athens, Portakabins, London
Doubts abound about a new Alzheimer’s blood test
  + stars: | 2023-10-18 | by ( Judith Graham | ) edition.cnn.com   time to read: +10 min
The Quest Diagnostics blood test, AD-Detect, measures elevated levels of amyloid-beta proteins, a signature characteristic of Alzheimer’s. But Alzheimer’s researchers and clinicians aren’t convinced the Quest test is backed by sound scientific research. Though blood tests for Alzheimer’s are likely to become common in the years ahead, the Alzheimer’s Association said it’s premature to offer a test of this kind directly to consumers. Because the science behind blood tests for Alzheimer’s is still developing and because “patients may not really understand the uncertainty of test results,” Edelmayer said, the Alzheimer’s Association “does not endorse the use of the AD-Detect test by consumers.”Quest’s blood test is one of several developments altering the landscape of Alzheimer’s care in the United States. The bottom line: Before taking a test, “older adults need to ask themselves, ‘Why do I want to know this?
Persons: aren’t, Alzheimer’s, Michael Racke, , there’s, Suzanne Schindler, St . Louis, That’s, ” Schindler, Racke, Meera Sheffrin, , Rebecca Edelmayer, ” Edelmayer, Eric Widera, Dr, Sanjay Gupta, Emily Largent, ’ ”, Munro Cullum Organizations: Health, Diagnostics, Alzheimer’s Association, Quest, University of Michigan, International Conference, Washington University School of Medicine, Senior, Stanford Healthcare, The University of Michigan, FDA, National Institute, Aging, University of California, Get CNN, CNN Health, University, Pennsylvania’s Perelman, of Medicine, HIPAA, University of Texas Southwestern Medical Center, Kaiser Health, KFF Locations: U.S, San Diego, St ., United States, San Francisco
New York CNN —Victoria’s Secret, for the first time, has introduced a collection of bras and panties specifically designed to meet the needs of women with disabilities. Among the collection’s adaptive features are magnetic closures, sensory-friendly fabric, fully adjustable and convertible front straps and panties specially designed with magnetic side closures. Among the adaptive features are magnetic closures, sensory-friendly fabric, fully adjustable and convertible front straps and panties specially designed with magnetic side closures. In 2022, Kohl’s rolled out adaptive apparel options for adults in three of its most popular private-lable brands. “Notably, the children’s and intimate apparel markets have led this charge and set a high standard for the broader apparel sector, leading the way in this crucial movement.”
Persons: Yulia Gorbachenko, Kohl’s, Kristen Classi, , Organizations: New, New York CNN, Pink, Victoria, Management, Centers for Disease Control, JCPenney, “ Consumer, CNN Locations: New York, United States
Gig drivers are likely to be dependent on the job for their main income, and need your tips. Omar FordIf the economy takes a turn for the worse and unemployment rises, the number of gig drivers could increase even further. The typical gig driver earns between $20 and $40 an hourSergio Avedian. The typical Uber driver earns $35 per active — or utilized — hour, the company said in February. In September, four ride-hailing drivers told Insider that they earn between $22 to $40 an hour after expenses.
Persons: , DoorDash, Lyft, Omar Ford, Uber, he'd, Robert Alexander, Gen Zers —, Sergio Avedian, Guy, doesn't, New York City, they've, Nathaniel Hudson, Hartman Nathaniel Hudson, Hartman, Jeff Hoenig, Avedian Organizations: Service, Morning, Pew, New York Daily News, Tribune, Getty, Bank of America, The New York Times Locations: Los Angeles, New York, New York City Ribeiro, New, South Carolina, Portland
Meanwhile, parents and experts say schools neglect students with math disabilities like dyscalculia, which affects up to 7% of the population and often coexists with dyslexia. Learning struggles for some may be due to dyscalculia or other math learning disabilities, yet few teachers report their students have been screened for dyscalculia. Experts say learning the most effective methods for teaching students with math disabilities could strengthen math instruction for all students. Part of the problem is that teachers don’t receive the training needed to work with children with math disabilities. “It’s pretty rare for undergraduate degrees or even master’s degrees to focus on math learning disabilities with any level of breadth, depth, quality or rigor,” said Amelia Malone, director of research and innovation at the National Center for Learning Disabilities.
Persons: Laura Jackson, ” Jackson, Jackson, ’ ” Jackson, “ There’s, Karen Wilson, it’s, , Sandra Elliott, Young, dyscalculia, that’s, Lynn Fuchs, don’t, , Amelia Malone, Heather Brand, , Malone, screeners, “ It’s Organizations: Associated Press, Christian Science Monitor, Dallas Morning News, Idaho Education, Courier, The Seattle Times, ___ Nationwide, , dyscalculia, Teachers, Vanderbilt University ., National Center for Learning, National Center for Learning Disabilities, New, Carnegie Corporation of New, AP Locations: Idaho, South Carolina, , U.S, Seattle, Virginia, New York City, Carnegie Corporation of New York
While BE-FAST helps with finding the most common symptoms of stroke, it may not reflect the stroke experience of all people. Stroke symptoms in men vs. womenScientists have come up with several theories for why men and women experience stroke differently. If women are outliving men, they also have more time and opportunity to have a stroke, Miller added. There are treatments available to improve the survival outcomes for stroke, Kamdar said, but they are all time sensitive. Even if you’re unsure whether someone is having a stroke, Miller advised calling 911 anyway.
Persons: , Eliza Miller, Dr, Hera Kamdar, Kamdar, ” Kamdar, “ It’s, ” Miller, Miller, , , neurologists, Jocelyn Solis, Moreira Organizations: CNN, NewYork, Presbyterian, Columbia University Irving Medical Center, American Heart Association, BE, The Ohio University Wexner Medical, US Centers for Disease Control, Research Locations: United States, New York
How to Prepare Every Part of Your Life for a Recession
  + stars: | 2023-10-16 | by ( Tanza Loudenback | ) www.wsj.com   time to read: +13 min
But a recession brings other threats too, like the potential for major stock market swings that can derail financial goals. As soon as the line begins to tick upward again, the economy exits a recession and enters an expansion. Are we in a recession or is a recession coming? How to preparePreparing your finances for a recession isn’t all that different from practicing good money habits in your daily life. You’ll likely have to make some real-time adjustments to meet short-term goals while enduring a recession, McCoy says.
Persons: Loudenback, it’s, , Ross Hamilton, Raymond James, you’ve, Hamilton, aren’t, “ You’ve, Eric Roberge, ” Roberge, Megan McCoy, , ’ ”, McCoy, You’ll, ” Hamilton, you’re, “ There’s, there’s, ” McCoy, Roberge, ‘ I’ve Organizations: Wall Street, National Bureau of Economic Research, Kansas State University Locations: U.S, Bethesda, Md, Boston, Hamilton
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