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Share to Twitter Share to Linkedin The Biden administration is in the process of implementing significant new federal student loan forgiveness initiatives. These programs may ultimately help millions of borrowers get closer to having their student loans cancelled. But depending on the specific program and the exact timing of that loan forgiveness, some borrowers may wind up getting hit with a surprise penalty: extra taxes. Biden Makes Big Changes To Key Student Loan Forgiveness and Repayment Programs In April, the Biden administration announced historic reforms to federal student loan income-driven repayment (IDR) programs , which include Income Based Repayment (IBR), Revised Pay As You Earn (REPAYE), and other plans. IDR plans allow federal student loan borrowers to make payments based on their income and family size. After 20 or 25 years in the program (depending on the specific plan), any remaining balance can be forgiven. IDR plans have … [Read more...] about Biden’s New Student Loan Forgiveness Changes May Wind Up Costing Some Borrowers

Share to Twitter Share to Linkedin Infectious disease expert Mark Kortepeter explains the differences between Covid and monkeypox and how its spread primarily through direct contact rather than respiratory droplets means it’s less likely to cause a pandemic as significant as Covid. More than two years into the Covid-19 pandemic, our surveillance networks are on heightened alert for what might be the next big thing. We didn’t predict Covid, and we have never correctly predicted the next infectious disease of concern. If someone had asked me what I thought might be next, I certainly would not have predicted monkeypox, even though I teach regularly about the threat of its close cousin, smallpox. In the past two weeks, we were alerted to an outbreak of monkeypox that began in Europe and thus far appears linked primarily to men who have sex with men. The numbers of confirmed cases worldwide are over 200 and climbing. There have been few cases confirmed … [Read more...] about Will Monkeypox Be The Next Deadly Pandemic? It’s Unlikely

This handout photo taken in the year 2001 and received on May 23, 2022 from the Robert Koch Institute (RKI), the German federal government agency and research institute responsible for disease control and prevention, shows a coloured electron-microscopic capture of the monkeypox virus. (Photo: AFP) For years, the dating application Grindr has doled out sexual health tips to its more than 11 million users. Now, the app, which serves the gay, bisexual and transgender community, is using its platform to get the word out about monkeypox, a virus that has long been endemic in parts of Africa but has recently spread to countries including the United States and the United Kingdom. Monkeypox is characterised by clusters of blister-like rashes, which health officials say has led to misdiagnosing the disease as common sexually transmitted infections. The virus also appears to be spreading in much the same way as STIs: through close, intimate contact. But repeated misdiagnoses could allow … [Read more...] about Monkeypox spreading through sex, but not an STI

Share to Twitter Share to Linkedin Recent monetary policy tightenings have triggered steep declines in many financial markets, including crypto assets which have lost almost $1 trillion in market capitalization in just one week. Extreme market volatility triggered the disintegration of the Terra ecosystem . TerraUSD ( UST ), a dollar- pegged stablecoin, and its sister token LUNA plummeted and delisted, saddling investors with billions in losses and accelerating the wreckage of other cryptocurrencies. This debacle debunked tall claims of an innovative crypto-financial ecosystem supposedly immune to traditional finance (TradeFi) bank runs . Stablecoins, a breed of cryptocurrencies touted for their purported stability, became vulnerable during the week ending May 13th, 2022, showing a glimpse of how things can go horribly wrong. The algorithmic stablecoin UST lost its dollar peg, collapsed, and wiped out nearly $50 billion in market value. The Terra … [Read more...] about Innovative Crypto Stablecoins- Still At Infancy And Experiencing Growing Pains

Share to Twitter Share to Linkedin Over the course of the last seven months, the Biden administration has announced a series of initiatives to expand student loan forgiveness under two key existing programs. The Education Department indicates that millions of borrowers will benefit from the new changes. But several cohorts of borrowers continue to be excluded from new student loan forgiveness expansions. And as President Biden reportedly considers an even broader student loan cancellation initiative, many may be wondering if they will be left out yet again. Biden Expands Student Loan Forgiveness Under PSLF and IDR Last October, President Biden announced sweeping changes to the Public Service Loan Forgiveness (PSLF) program , which provides loan forgiveness to borrowers after 10 years of qualifying employment in nonprofit or government work. Dubbed the “Limited PSLF Waiver,” the temporary changes will allow the Department of Education to count periods … [Read more...] about Student Loan Forgiveness Is Expanded, But Not For These Borrowers — Will They Be Left Out Of Broad Cancellation, Too?

Share to Twitter Share to Linkedin Wellness tourism has boomed globally to a massive $793.2 billion dollar industry expected to grow to $1,672.2 billion by 2030. The demand for wellness destinations comes from a greater awareness of physical and mental wellness which has become a priority for travelers. Traditionally, wellness destinations seemed to be more exclusive and remote in areas like Southeast Asia and India but more and more resorts have popped up in North America exclusively focused on wellness in addition to popular resorts adding dedicated wellness programming. Castle Hot Springs in Arizona opened in 2020 on a 1,100-acre property centered around rejuvenating geothermal hot springs that have been naturally forged into the land over 13,000 years and flow at a clip of 200,000 gallons each day. The entire resort is focused on nourishing the mind, body, and soul by maximizing the benefits of the hot springs’ unique mineral mixture – particularly … [Read more...] about The Best Wellness Destinations To Visit This Year

Share to Twitter Share to Linkedin Photo Credit: Getty Getty You've read the headlines : 99.5% of people were rejected for student loan forgiveness. Here's what to do about it so you never get rejected for student loan forgiveness again. Student Loan Forgiveness When it comes to Public Service Loan Forgiveness, it's not as simple as saying you "work" in public service. The Public Service Loan Forgiveness Program is a federal program that forgives federal student loans for borrowers who are employed full-time (more than 30 hours per week) in an eligible federal, state or local public service job or 501(c)(3) nonprofit job who make 120 eligible on-time payments. It's your employer that matters, not your role. For example, if you work with a non-profit, but are employed by a private company, this would not qualify for public service loan forgiveness. According to data from the U.S. Department of Education, only about 300 borrowers … [Read more...] about How To Never Get Rejected For Student Loan Forgiveness

Share to Twitter Share to Linkedin A top Biden administration official indicated that the ongoing student loan payment pause is going to end, and payments will resume. But he did not confirm a specific timeline, leaving borrowers guessing about when and whether to plan for repayment. Here’s where things stand, and what borrowers should expect. Student Loan Payment Pause Continues Through August For over 26 months, payments on most federal student loans have been paused, and interest has been set to zero. Collections efforts against defaulted federal student loan borrowers have also been suspended. That relief was originally provided through the CARES Act, which Congress passed in March 2020 in response to the Covid-19 pandemic, and it was supposed to last for six months. But President Trump, and subsequently President Biden, issued a series short-term extensions. Biden’s most recent extension is now set to end on August 31, 2022, which means … [Read more...] about Student Loan Payment Pause: Biden Official Says Repayment Will Resume ‘At Some Point’ — Here’s What That Might Mean

Share to Twitter Share to Linkedin The U.S. Department of Education announced a major overhaul of student loan servicing. Here’s what you need to know — and what it means for your student loans . Student Loans The Education Department said Thursday that more than 35 million student loan borrowers can expect a “21st-century customer experience” when it comes to their student loans . Federal Student Aid, the largest provider of financial aid for college in the U.S., has posted the solicitation for the Unified Servicing and Data Solution (USDS), which is intended to act as a long-term student loan servicing solution for federal student loan borrowers. Specifically, the USDS will seek to hold student loan servicers accountable with clear performance objectives such as reducing student loan borrower default and student loan delinquency. Specifically: six loan servicers support student loan borrowers during student loan repayment; student … [Read more...] about Education Department Announces Major Overhaul Of Student Loan Servicing

PHUKET: The Public Prosecutor has yet to press formal charges against Prab and Pattawee Keesin, both sons of former Patong Mayor Pian Keesin, for operating a mafia organization. Pisitpol Phumsawat, chief Phuket public prosecutor, confirmed to the Phuket Gazette that his office was still reviewing evidence presented by the police “I have dedicated a team to investigate the police claims,” said Mr Pisitpol. “This case has received a lot of media attention, so we have to work on it carefully in order to be fair to both sides.” No deadline has been set for the Public Prosecutor Office to decided whether or not to take the case to court, he added. Mr Pisitpol declined to reveal any specific details about the case, but did mention that the Keesin’s lawyer had appealed for a fair investigation into any alleged wrongdoings. Mr Pian, Mr Prab, Mr Pattwaee and five staffers the Keesin-owned Pisona Group of companies separately surrendered to police in September to answer arrest … [Read more...] about Patong’s Keesin clan yet to face Phuket mafia charges