5 major differences between federal and private student loans

Yahoo Finance

5 major differences between federal and private student loans

https://www.yahoo.com/finance/news/5-major-differences-federal-private-student-loans-153948663.html

Alyssa Pry     August 16, 2017    

If you’ve been to college or have recently graduated, chances are you have a student loan. About 43.3 million people have student loans, and 90% of borrowers take out a Federal student loan, according to the US Department of Education. But federal loans don’t always cover all of your college costs, and more borrowers are turning to private loans; according to a new study by LendEDU, 1.4 million people currently have a private loan to pay for college costs.

Experts recommend using Federal loans, financial aid, and scholarships before taking out a private student loan. Understanding the main differences between your loan options will help you determine the best way to fund your education.

Difference 1: How they’re funded

Federal loans are funded by the US Department of Education or private institutions that the government guarantee to pay back in case of default. Federal loans come with more protections, such as flexible payment schedules, lower interest rates and income-based pay-back programs.

Private loans are funded by banks and other lenders, such as credit unions, which means the lenders set the terms and interest rates. Interest rates are typically higher, and there is less flexibility for the borrower.

Difference #2: Interest Rates

The interest rate for federal loans is set by the Federal Reserve. They have fixed interest rates, which means the rate won’t change for the entirety of your loan. In 2017, the Federal Reserve raised the interest rate on undergraduate loans to 4.45%, and 6-7% for graduate student loans.

Private loans can have fixed or variable rates. Variable interest rates can fluctuate depending on the economy, potentially adding large amounts of interest to your loan. According to LendEDU, the average fixed-rate student loan is 9.66%, while the average variable rate is 7.81%, but rates can vary depending on your lender and loan terms.

Difference #3: Getting the loan

You will need to fill out the Free Application for Student Aid (FAFSA) in order to apply for a federal student loan, and you’ll also find out if you qualify for federal grants or other student aid. Your credit will not affect your ability to get a government loan.

There are three different types of federal student loans. A Direct Subsidized loan is given to students with financial need, and the loan interest will be paid by the federal government if you go to school part time, during the six months after you graduate or if you defer your loan payments. You can also receive a Direct Unsubsidized loan, which you are eligible for regardless of financial need, and you are responsible for all interest payments. Finally, you can receive a Direct PLUS loan, for graduate or professional school students.

Your ability to receive a private loan depends on your credit history, which will affect your loan terms and interest rates. You may also need a cosigner, such as a parent, who guarantees he or she will be responsible for your loan if you can’t pay it back. You don’t need to fill out the FAFSA in order to apply for a private loan.

Difference #4: Repaying the loan

You have a grace period of six months after you graduate before you have to start repaying your federal student loan. Most federal loan borrowers are put on a 10-year repayment plan, but you have up to 25 years to repay your federal loans in full.

Private loans may need to be repaid immediately—while you’re still enrolled in college—but you may have the option to defer payment until you graduate. There is less flexibility when it comes to your repayment schedule than with a federal loan, and the length you have to repay it varies depending on your lender.

Difference #5: Lowering your payments

If you’re having difficulty repaying your loan, Federal loans offer more options than private loans to lower your payments. You can defer your loan payments for up to three years, and your loans may be forgiven if you work in public service.

Private loans typically don’t offer loan forgiveness. However, if you’re having difficulty making your payments, you may be able to refinance the private loan. Refinancing means you consolidate your loan(s) into a new loan and repay the new loan at a lower interest rate. But, keep in mind, not all borrowers are eligible for refinancing.

It’s important to be a responsible borrower and know how much you’ll owe. And remember, the longer you take to repay your loans, the more interest will accrue.

WATCH MORE 

5 ways to tackle your student loan debt

4 steps to a debt-free college degree 

Money Minute: How to get your student loans completely forgiven 

Plague: Fleas in Arizona Test Positive for Easily Spread and Fatal Disease

Newsweek-Tech & Science

Plague: Fleas in Arizona Test Positive for Easily Spread and Fatal Disease

https://s.yimg.com/lo/api/res/1.2/5bVMvyGKX_isCISji903Dw--/YXBwaWQ9eW15O3E9NzU7dz02NDA7c209MQ--/http://l.yimg.com/yp/offnetwork/85ebbae13a890a5aa199fcd3d6b06f0d

By Jessica Firger     August 14, 2017

Fleas in two Arizona counties are carrying bubonic plague, an infectious disease that took the lives of millions of people in the Middle Ages, according to news reports. So far there have been no reported illness and deaths.

Health officials in Navajo and Coconino counties in Arizona recently issued a warning to the general public after fleas in the northern part of the state tested positive for Yersinia pestis, the bacteria that causes the bubonic plague. Humans can contract the plague in a number of ways. In addition to flea bites, people can pick up the bacteria by handling the fluids or tissue of a rodent or another animal that has the illness. The plague can also be transmitted through bodily fluids such as respiratory droplets.

“Navajo County Health Department is urging the public to take precautions to reduce their risk of exposure to this serious disease, which can be present in fleas, rodents, rabbits and predators that feed upon these animals,” the public health warning states, ABC news reported. “The disease can be transmitted to humans and other animals by the bite of an infected flea or by direct contact with an infected animal.”

The plague is primarily found on the West Coast of the U.S., especially the southwestern U.S. when cool summers follow wet winters. At the end of June, three people in New Mexico tested positive for the plague as well, according to NPR.

Dr. Amesh Adalja, a spokesperson for the Infectious Diseases Society of America and senior associate at Johns Hopkins Center for Health Security says the area of the country is vulnerable to the transmission of the plague bacterium.

“Western parts of the United States have had ongoing plague transmission in rodents for over a century,” he says.

Although incidents of plague are minimal these days the risk still exists so people should be vigilant “when dealing with rodents and clear areas of their property that may be attractive to rodents,” says Adalja. He adds that it’s also important for health care providers to be aware of cases and learn to spot symptoms of illness, and to be aware of diagnostic testing and treatment protocols for the illness.

The infectious bacteria that causes plague is rare in the U.S. today. According to the U.S. Centers for Disease and Prevention, an average of seven human cases are diagnosed each year. In 2015, four people in the U.S died from the illness. Worldwide there are roughly 300 cases of the plague each year, according to the World Health Organization.

Symptoms of the plague include sudden onset of fever, headache, chills, and weakness and one or more swollen, tender and painful lymph nodes (called buboes). This form is usually the result of an infected flea bite. The bacteria multiply in the lymph node closest to where the bacteria entered the human body. The disease can be treated effectively with a course of antibiotics, but left untreated the plague can spread to other parts of the body. Without appropriate medical care the illness can be deadly; up to 60 percent of people infected with the pathogen die from it.

Express

Return of Black Death: Risk of epidemic as three stricken with bubonic plague from fleas

PLAGUE fighters are killing off fleas carrying the Black Death after three people were stricken with world’s most feared disease.

By Stuart Winter    August 15, 2017

Health officials are targeting rodent burrows to thwart the risk of an epidemic just weeks after an outbreak put the three victims in hospital.

Urgent action to wipe out flea infestations in prairie dog burrows in two parts of Arizona has been ordered after scientists confirmed the insects were carrying the same plague that wiped out a quarter of humanity in the 1300s.

Besides tackling the infestations, public health officials in Arizona are putting out warnings to reduce the risk of people contracting plague by preventing pets from running loose as well as avoiding rodent burrows.

http://cdn.images.express.co.uk/img/dynamic/128/590x/black-death-plague-fleas-carrying-disease-arizona-840873.jpgGETTY    Scientists confirmed that fleas are carrying the plague

Whooping cough, scarlet fever & scurvy: The returning Victorian diseases

Confirmation that fleas were carrying the bacteria that causes plague, Yersinia pestis, came this week after positive tests at two sites near Flagstaff.

Symptoms of plague in humans generally appear within two to six days following exposure

Coconino County Public Health Services District

In June, three people needed hospital treatment after contracting plague 400 miles east in Santa Fee County, New Mexico.

Health officials carried out extensive checks around the homes of the victims, who included a 52-year-old and a 62-year-old woman, to “ensure the safety of the immediately family and neighbors”.

New Mexico witnessed four plague cases in 2016 in Bernalillo, Mora and Rio Arriba counties but with no fatalities. In 2015, one person died when four plague cases were reported in Bernalillo and Santa Fe counties.

http://cdn.images.express.co.uk/img/dynamic/128/590x/secondary/black-death-plague-fleas-carrying-disease-arizona-1032092.jpgGETTY    Health officials are targeting rodent burrows to thwart the risk of an epidemic

http://cdn.images.express.co.uk/img/dynamic/128/590x/secondary/black-death-plague-fleas-carrying-disease-arizona-1032094.jpgGetty Stock Images   The disease can be transmitted to humans and other animals by the bite of an infected flea

For a pandemic that killed as many as 200 million people across Europe and Asia in the 14th Century, bubonic plague still resists total eradication globally, throwing up thousands of cases every year.

The western states of the USA witness annual reports, largely because its native rodent species, such as ground squirrels and prairie dogs, act as vectors in the same way as the black rats that spread the medieval plague across most of the known world.

Arizona’s Coconino County Public Health Services District, confirming the latest positive results, said the disease is “endemic” in the area and urged the public to “take precautions to reduce their risk of exposure to this serious disease, which can be present in fleas, rodents, rabbits and predators that feed upon these animals”.

Its public warning added: “The disease can be transmitted to humans and other animals by the bite of an infected flea or by direct contact with an infected animal.

“Symptoms of plague in humans generally appear within two to six days following exposure and include fever, chills, headache, weakness, muscle pain, and swollen lymph glands – called ‘buboes’ – in the groin, armpits or limbs.

http://cdn.images.express.co.uk/img/dynamic/128/590x/secondary/black-death-plague-fleas-carrying-disease-arizona-1032097.jpgGETTY     Scientists confirmed that fleas had the disease after positive tests at two sites near Flagstaff

“The disease can become septicemic – spreading throughout the bloodstream – as well as pneumonic – affecting the lungs – but is curable with proper antibiotic therapy if diagnosed and treated early.”

During the recent New Mexico outbreak, doctors warned how pets could play a worrying role in spreading the disease.

“Pets that are allowed to roam and hunt can bring infected fleas from dead rodents back into the home, putting you and your children at risk,” said Dr Paul Ettestad, a public health veterinarian for the Department of Health.

“Keeping your pets at home or on a leash and using an appropriate flea control product is important to protect you and your family.”

Al Gore, on Real Time with Bill Maher (HBO)

EcoWatch

By AlterNet   August 9, 2017https://resize.rbl.ms/simage/https%3A%2F%2Fassets.rbl.ms%2F10213493%2Forigin.jpg/1200%2C630/eCBO7bkRDG9TgW1l/img.jpgAl Gore at the Paris COP21 UN conference on climate change in Le Bourget, France (December 7, 2015). Frederic Legrand – COMEO / Shutterstock

Al Gore Predicts Trump’s Exit

By Chris Sosa  August 9, 2017

Al Gore reportedly drew laughs from a European audience at a premiere of his new documentary when he insinuated that President Donald Trump might be ejected from office.

Gore is currently touring the globe with his latest environmental movie, “An Inconvenient Sequel: Truth to Power.”

“We’re only six months into the experiment with Trump. Some experiments are ended early for ethical reasons,” Gore said to the filmgoing audience. While he acknowledged his comments were “provocative,” he refused to retract them.

Gore also expressed confidence in the environmental future of the U.S. despite Trump’s withdrawal from the Paris agreement. He believes that American cities, states and corporate leaders will ignore their president and meet U.S. obligations anyway.

“We have a global agreement and the American people are part of this agreement in spite of Donald Trump,” Gore said.

He reassured the foreign audience that the U.S. will “soon once again” have a president who is committed to combatting the global climate crisis.

Watch Al Gore’s recent appearance on HBO’s “Real Time with Bill Maher” below:

Why income inequality is so much worse in the U.S. than in other rich countries

Washington Post Opinion-Rampage

Why income inequality is so much worse in the U.S. than in other rich countries

By Catherine Rampell        August 11, 2017

My column Friday was about why the $15-minimum-wage-obsessed grass-roots left should get more fired up about expanding other kinds of tools to help poor people. Particularly ones that don’t make the poor more expensive to hire, such as the earned-income tax credit, food stamps, housing vouchers, etc.

These kinds of anti-poverty tools are sometimes referred to as “post-tax” policies. They’re mostly paid for by the government (i.e., taxpayers) rather than by employers or workers. The column mentioned that the United States relies far less on them than other developed countries. Here’s some more detail on that point.

Below is a chart, from University of Oxford economist Max Roser, showing a measure of income inequality called a Gini coefficient. Gini coefficients can run anywhere from zero to one. A value of zero would mean that income was distributed perfectly evenly among everyone in society; a value of one would mean that a single person has all the income and everyone else gets nothing. In other words, the higher the measure, the more unequal the income distribution.

https://img.washingtonpost.com/wp-apps/imrs.php?src=https://img.washingtonpost.com/news/rampage/wp-content/uploads/sites/27/2017/08/inequality-of-incomes-before-and-after-taxes-and-transfers.png&w=600

The orange points show Gini coefficients for market income — that is, what people earn before the tax and transfer system comes into play.

The United States doesn’t exactly rank here as the most egalitarian advanced country on Earth, but we don’t totally embarrass ourselves. On pre-tax-and-transfer income inequality, we do about as well as France.

Now look at the blue points, which show Gini coefficients after considering tax and transfer spending, i.e., redistribution.

The United States does much, much worse. The only developed country with more unequal income distribution is Mexico. (Chile also is more unequal, though it’s not usually categorized as an advanced/developed economy.)

As I’ve said before, I favor using both pre-tax and post-tax policies to reduce inequality and help the poor. These data suggest there’s a whole lot more room for improvement on post-tax redistribution especially.

Catherine Rampell is an opinion columnist at The Washington Post.

A photographer captured these dismal photos of life in North Korea on his phone

Business Insider

A photographer captured these dismal photos of life in North Korea on his phone

Melia Robinson         August 10, 2017

http://static6.businessinsider.com/image/56f92682dd0895976f8b46b2-2000-1298/gettyimages-485162670.jpgChildren walk to school in Tumangang, North Korea, in August 2015.Xiaolu Chu/Getty

As North Korea continues its saber-rattling about nuclear strikes, we still know very little about the country.

The North Korean government is notoriously secretive. Upon entering the country, visitors are instructed on what they can and cannot take pictures of. Customs agents inspect your cellphone and other digital devices, including cameras, tablets, and storage cards, for banned content.

These restrictions prompted Getty photographer Xiaolu Chu to travel by train through the country in August 2015, documenting everyday life through his phone lens. He told Business Insider it was too risky to use a high-end camera because locals would report him to the police.

While some images were deleted during run-ins with the police, Chu shared some snapshots with us. Take a look at life inside North Korea.

View As: One Page Slides

Chu took the long way around during his visit to North Korea.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46b4-1200/chu-took-the-long-way-around-during-his-visit-to-north-korea.jpgXiaolu Chu/Getty

Most Chinese tourists enter by train through Sinuiju or by plane through Pyongyang. He instead traveled to Russia so he could access the northern port at Tumangang.

http://static1.businessinsider.com/image/56f92682dd0895976f8b46b5-1200/most-chinese-tourists-enter-by-train-through-sinuiju-or-by-plane-through-pyongyang-he-instead-traveled-to-russia-so-he-could-access-the-northern-port-at-tumangang.jpgGoogle Maps

The train ride from Tumangang to Pyongyang — the capital of North Korea — lasts a day. It was canceled because of a dispute between North Korea and South Korea.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46b6-1200/the-train-ride-from-tumangang-to-pyongyang--the-capital-of-north-korea--lasts-a-day-it-was-canceled-because-of-a-dispute-between-north-korea-and-south-korea.jpgXiaolu Chu/Getty

“Fortunately, we had a whole day to go out and take some pictures in the village,” Chu said.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46b7-1200/fortunately-we-had-a-whole-day-to-go-out-and-take-some-pictures-in-the-village-chu-said.jpgXiaolu Chu/Getty

He saw scores of people living in abject poverty. Many begged for money.

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“There are nearly no fat people in North Korea, everyone looks very thin,” Chu said.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46b9-1200/there-are-nearly-no-fat-people-in-north-korea-everyone-looks-very-thin-chu-said.jpgXiaolu Chu/Getty

Many of the residential buildings looked run down and in need of repair.

http://static1.businessinsider.com/image/56f92682dd0895976f8b46ba-1200/many-of-the-residential-buildings-looked-run-down-and-in-need-of-repair.jpgXiaolu Chu/Getty

When he later returned to the train station, he noticed portraits of the country’s former leaders and the words “long live” hanging overhead.

http://static6.businessinsider.com/image/56f92682dd0895976f8b46bb-1200/when-he-later-returned-to-the-train-station-he-noticed-portraits-of-the-countrys-former-leaders-and-the-words-long-live-hanging-overhead.jpgXiaolu Chu/Getty

At night, these shrines were the only lit structures in the village. Other buildings sat in darkness.

http://static1.businessinsider.com/image/56f92682dd0895976f8b46bc-1200/at-night-these-shrines-were-the-only-lit-structures-in-the-village-other-buildings-sat-in-darkness.jpgXiaolu Chu/Getty

The next day, he boarded a train for the nation’s capital.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46bd-1200/the-next-day-he-boarded-a-train-for-the-nations-capital.jpgXiaolu Chu/Getty

A customs agent on board checked his tablet to make sure it wasn’t GPS-enabled. The government also jams signals as a security measure.

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Xiaolu Chu/Getty

The customs agent also checked his laptop and DSLR camera. Chu said the agent had no trouble operating the devices, with the exception of the MacBook.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46bf-1200/the-customs-agent-also-checked-his-laptop-and-dslr-camera-chu-said-the-agent-had-no-trouble-operating-the-devices-with-the-exception-of-the-macbook.jpgXiaolu Chu/Getty

The train chugged along, giving Chu glimpses of everyday life. This boy collected corn cobs beside the tracks.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46c0-1200/the-train-chugged-along-giving-chu-glimpses-of-everyday-life-this-boy-collected-corn-cobs-beside-the-tracks.jpgXiaolu Chu/Getty

Many people rode bicycles to get around.

http://static1.businessinsider.com/image/56f92682dd0895976f8b46c1-1200/many-people-rode-bicycles-to-get-around.jpgXiaolu Chu/Getty

Some scenes were quaint. Children took an afternoon dip in a river.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46c2-1200/some-scenes-were-quaint-children-took-an-afternoon-dip-in-a-river.jpgXiaolu Chu/Getty

Anytime the train pulled into a station, there were painful reminders of the country’s poor living conditions. This little boy begged for money at a station in Hamhung.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46c3-1200/anytime-the-train-pulled-into-a-station-there-were-painful-reminders-of-the-countrys-poor-living-conditions-this-little-boy-begged-for-money-at-a-station-in-hamhung.jpgXiaolu Chu/Getty

Korean People’s Army soldiers rested on the tracks.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46c4-1200/korean-peoples-army-soldiers-rested-on-the-tracks.jpgXiaolu Chu/Getty

Whenever he hopped out, Chu shot photos on his phone. “DSLR is too obvious to take pictures in that condition as people in the village were extremely vigilant,” he said.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46c5-1200/whenever-he-hopped-out-chu-shot-photos-on-his-phone-dslr-is-too-obvious-to-take-pictures-in-that-condition-as-people-in-the-village-were-extremely-vigilant-he-said.jpgXiaolu Chu/Getty

Several locals reported him to the police. “A policeman and a solider stopped us and checked our cellphone. I hid most of the pictures, [but a] few pictures were deleted,” he said.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46c6-1200/several-locals-reported-him-to-the-police-a-policeman-and-a-solider-stopped-us-and-checked-our-cellphone-i-hid-most-of-the-pictures-but-a-few-pictures-were-deleted-he-said.jpgXiaolu Chu/Getty

The tourism bureau encourages visitors to take photos of student-exercise groups. These kids rehearsed for a celebration of the 70th anniversary of the Workers’ Party of Korea.

http://static1.businessinsider.com/image/56f92682dd0895976f8b46c7-1200/the-tourism-bureau-encourages-visitors-to-take-photos-of-student-exercise-groups-these-kids-rehearsed-for-a-celebration-of-the-70th-anniversary-of-the-workers-party-of-korea.jpgXiaolu Chu/Getty

Photography of anti-American protests is also welcomed. These students were marching against South Korea and the US.

http://static3.businessinsider.com/image/56f92682dd0895976f8b46c8-1200/photography-of-anti-american-protests-is-also-welcomed-these-students-were-marching-against-south-korea-and-the-us.jpgXiaolu Chu/Getty

Eventually, Chu reached the railway station in Pyongyang.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46c9-1200/eventually-chu-reached-the-railway-station-in-pyongyang.jpgXiaolu Chu/Getty

We asked Chu if he was scared of retribution for publishing the photos from his trip.

http://static2.businessinsider.com/image/56f92682dd0895976f8b46ca-1200/we-asked-chu-if-he-was-scared-of-retribution-for-publishing-the-photos-from-his-trip.jpgXiaolu Chu/Getty

“No, absolutely not,” he said.

http://static5.businessinsider.com/image/56f92682dd0895976f8b46cb-1200/no-absolutely-not-he-said.jpgXiaolu Chu/Getty

SEE ALSO: A photographer captured these shocking photos of one of the world’s most densely populated slums

Betty Shelby’s New Job Is Why Cops Won’t Stop Killing Black People

The Root

Betty Shelby’s New Job Is Why Cops Won’t Stop Killing Black People

        Michael Harriot    August 10, 2017

@PJonesFOX23 via Twitter

Sometimes, being black is like living inside a terrible movie where the world is so racist that it’s damn near impossible to believe. For example, imagine being a movie producer and I came to you to pitch this idea:

OK, there’s a woman cop named Betty Shelby. One day, while on duty, Shelby kills an unarmed black man named Terence Crutcher while he is walking away from her with his hands in the air. It is caught on two different cameras.

In the second act, our antagonist goes on a news show like … oh, let’s say 60 Minutes. She damn near admits to the crime. She tells the interviewer, “If I wait to find out if he had a gun or not, I could very well be dead. … There’s something that we [police] always say: ‘I’d rather be tried by 12 than carried by six.’” Then her lawyers float the idea that Crutcher was a criminal, calling him a “certified gang member.”

The trial happens at the beginning of the third act, and even with video evidence, even with her statements, even though her only defense is that she thought Crutcher might have been reaching for a weapon that didn’t exist through a window that was closed—she gets acquitted! The police department tells her she can keep working in a cushy desk job, but she says, “Naaah, I’m good. I want a job where I can be on the street to possibly kill more unarmed black men,” so she resigns. Then, in the last scene, she walks into the sunset … no, even better, she gets a job as a sheriff’s officer, with a gun and everything. She lives happily ever after. Orchestra music plays. Fade to black. Credits roll.

You’d kick me out of your office. You’d tell me it was too “on the nose” and didn’t have enough nuance. “Sure, the world is racist,” you’d say. “But not that racist.” You’d think no one would go see that movie. “It’s too unbelievable,” you’d say.

Betty Shelby, the Tulsa, Okla., Cop Who Killed Terence Crutcher, Allowed to Return to Active Duty

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The Tulsa, Okla., police officer who shot and killed Terence Crutcher, an unarmed black motorist,…

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Betty Shelby, the former Tulsa, Okla., police officer acquitted of killing Terence Crutcher in cold blood—even though there are two videos that show her killing Crutcher in cold blood—has a brand-new job as a reserve deputy with the Rogers County (Okla.) Sheriff’s Office, according to several sources, including the Tulsa World.

Shelby was sworn in by the RCSO during a live press conference Thursday morning surrounded by Sheriff Scott Walton, county officials and well-wishers. The county doesn’t usually hold press conferences for swearing-in ceremonies, but because of the high profile of Shelby’s case and Walton’s vociferous support of her during her trial, Rogers County apparently thought it necessary to flaunt the fact that it was hiring a cold-blooded killer, because … fuck Terence Crutcher.

Betty Shelby Sworn In As Rogers County Sheriff’s Reserve Deputy

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Former Tulsa Police Officer Betty Shelby was sworn in Thursday, August 10, 2017, as a reserve…

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During Shelby’s terrible ordeal, in which she had to endure months of freedom, getting paid without actually working and not being dead, Walton posted at least three letters on the RCSO Facebook page offering support and slamming Shelby’s critics, calling her a “sacrificial lamb.”

This is why Crutcher is dead. This is why Mike Brown is dead. This is why Tamir Rice is dead. This is why John Crawford is dead. It is not just because of the juries who acquit the thieves who rob the world of black lives. It is not simply because of the apathy of men and women in blue uniforms toward the black citizens they are sworn to protect and serve. It is because they know they will never suffer any repercussions for cold-blooded murder under the authority of the law.

Not only are they never punished; they also prosper. And they prosper so that they can do it again.

Take Timothy Loehmann, for instance. Loehmann worked as a police officer in Independence, Ohio. His supervisor there recommended his termination for lying, insubordination and being unable to perform his duties. Instead of being fired for being a terrible police officer, he was allowed to resign so that he could get another job as a cop, paving the way for him to shoot 12-year-old Tamir Rice as the youngster played in a Cleveland park in 2014. Even though Loehmann shot Tamir two seconds after he spotted the kid playing in a park, Loehmann never faced charges and kept working for the Cleveland Police Department until May 30, 2017.

New York City Police Officer Daniel Pantaleo had been accused of police violations and had been sued three times for falsely arresting black men before he stopped Eric Garner from breathing.

Leaked Documents Reveal How the NYPD Ignored Abusive History of the Cop Who Killed Eric Garner

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On July 17, 2014, New York City Police Department Officer Daniel Pantaleo grabbed Eric Garner,…

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The police officers in Jennings, Mo., were so notoriously racist, the department eventually had to fire every officer on the force and bring in new officers. Most of the officers kept working. One of those officers—Darren Wilson—landed a better-paying job in Ferguson, Mo., and patrolled the streets there until he shot Mike Brown six times on Aug. 9, 2014.

“But she was acquitted,” some people will say of Betty Shelby. “In America, you are innocent until proven guilty. You can’t persecute her if she isn’t guilty of a crime.”

“Really?” said the long-dead corpses of Tamir Rice, Eric Garner, Mike Brown and Terence Crutcher.

Editor’s note: Tamir, Garner, Brown and Crutcher didn’t actually say that because … you know.

Read more at the Tulsa World and News 9.

Michael Harriot is a staff writer at The Root, host of “The Black One” podcast and editor-in-chief of the daily digital magazine NegusWhoRead.

Study: Trump actions trigger health premium hikes for 2018

Associated Press

Study: Trump actions trigger health premium hikes for 2018

Ricardo Alonso Zaldivar, Associated Press        August 10, 2017

WASHINGTON (AP) — The Trump administration’s own actions are triggering double-digit premium increases on individual health insurance policies purchased by many consumers, a nonpartisan study has found.

The analysis released Thursday by the Kaiser Family Foundation found that mixed signals from President Donald Trump have created uncertainty “far outside the norm,” leading insurers to seek higher premium increases for 2018 than would otherwise have been the case.

The report comes with Republicans in Congress unable to deliver on their promise to repeal and replace the Obama-era Affordable Care Act. Trump, meanwhile, insists lawmakers try again. The president says “Obamacare” is collapsing, but he’s also threatened to give it a shove by stopping billions of dollars in payments to insurers. Some leading Republicans are considering fallback measures to stabilize markets.

Researchers from the Kaiser foundation looked at proposed premiums for a benchmark silver plan across major metropolitan areas in 20 states and Washington, D.C. Overall, they found that 15 of those cities will see increases of 10 percent or more next year.

The highest: a 49 percent jump in Wilmington, Delaware. The only decline: a 5 percent reduction in Providence, Rhode Island.

About 10 million people who buy policies through HealthCare.gov and state-run markets are potentially affected, as well as another 5 million to 7 million who purchase individual policies on their own.

Consumers in the government-sponsored markets can dodge the hit with the help of tax credits that most of them qualify for to help pay premiums. But off-marketplace customers pay full freight, and they face a second consecutive year of steep increases. Many are self-employed business owners.

The report also found that insurer participation in the ACA markets will be lower than at any time since “Obamacare” opened for business in 2014. The average: 4.6 insurers in the states studied, down from 5.7 insurers this year. In many cases insurers do not sell plans in every community in a state.

The researchers analyzed publicly available filings through which insurers justify their proposed premiums to state regulators. To be sure, insurers continue to struggle with sicker-than-expected customers and disappointing enrollment. And an ACA tax on the industry is expected to add 2 to 3 percentage points to premiums next year.

But on top of that, the researchers found the mixed signals from the administration account for some of the higher charges. Those could increase before enrollment starts Nov. 1.

“The vast majority of companies in states with detailed rate filings have included some language around the uncertainty, so it is likely that more companies will revise their premiums to reflect uncertainty in the absence of clear answers from Congress or the administration,” the report said. Once premiums are set, they’re generally in place for a whole year.

Insurers who assumed that Trump will make good on his threat to stop billions in payments to subsidize co-pays and deductibles requested additional premium increases ranging from 2 percent to 23 percent, the report found.

Insurers who assumed the IRS under Trump will not enforce unpopular fines on people who remain uninsured requested additional premium increases ranging from 1.2 percent to 20 percent.

“In many cases that means insurers are adding double-digit premium increases on top of what they otherwise would have requested,” said Cynthia Cox, a co-author of the Kaiser report. “In many cases, what we are seeing is an additional increase due to the political uncertainty.”

That doesn’t sound like what Trump promised when he assumed the presidency.

In a Washington Post interview ahead of his inauguration, Trump said, “We’re going to have insurance for everybody.”

“There was a philosophy in some circles that if you can’t pay for it, you don’t get it,” he added. “That’s not going to happen with us.”

People covered under Obama’s law “can expect to have great health care,” Trump said at the time. “It will be in a much simplified form. Much less expensive and much better.”

But the White House never produced the health care proposal Trump promised. And the GOP bills in Congress would have left millions more uninsured, a sobering side-effect that contributed to their political undoing.

The Trump administration sidestepped questions about its own role raised by the Kaiser study.

Spokeswoman Alleigh Marre said rising premiums and dwindling choices predate Trump.

“The Trump administration is committed to repealing and replacing Obamacare and will always be focused on putting patients, families, and doctors, not Washington, in charge of health care,” Marre said in a statement.

The ongoing political turmoil for people who buy individual health insurance stands in sharp contrast to relative calm and stability for the majority of Americans insured through workplace plans. The cost of employer-sponsored coverage is expected to rise around 5 or 6 percent next year, benefits consultants say.

Associated Press Health Writer Tom Murphy in Indianapolis contributed to this report.

Kaiser report – https://tinyurl.com/ya2yneqj

The simple secret to why Californians are paying less for Obamacare plans

ThinkProgress

The simple secret to why Californians are paying less for Obamacare plans

Hint: look at California.

Amanda Michelle Gomez        August 8, 2017

Peter Lee, executive director of Covered California, the state's health insurance exchange, talks at a news conference in Sacramento, Calif. (AP Photo/Rich Pedroncelli, File)

Peter Lee, executive director of Covered California, the state’s health insurance exchange, talks at a news conference in Sacramento, Calif. (AP Photo/Rich Pedroncelli, File)

“Rising premiums” has been the rallying cry for Republicans looking to repeal the Affordable Care Act (ACA). Lawmakers pointed to 2018 premium hikes as a big reason to repeal and replace current health law. Some insurance companies are requesting especially high rates for 2018 ACA plans, as high as 30 percent more in some states.

In California, statewide premiums will rise 12.5 percent, and some northern counties will see a 33 percent increase. But most California residents could avoid the soaring premiums rates, as they’ve done in the past, by shopping smart. That’s easier to do than in a lot of other states, because California is helping make their health care shopping simple.

“Consumers are price-sensitive,” senior fellow with NORC at the University of Chicago Jon Gabel told ThinkProgress. “Consumers search for lower-cost plans, and tend to move from high-cost to low-cost plans.”

Gabel is the author of a recent study by The Commonwealth Fund that found California residents on average pay less for insurance than advertised rates suggest. He and other researchers tracked premiums for ACA plans offered versus plans purchased. Using enrollment data between 2014-2016, the study found customers respond to price increases by switching to cheaper plans.

“For example, just like ordinary grocery shopping, customers will likely purchase green apples when the price for red apples goes up,” Gabel said. It’s economics 101, he inferred.

In 2014, Californians paid 11.6 percent less than the advertised premiums and by 2016, they paid 15.2 percent less. Consumers were able to mitigate the full impact of reported premium hikes, and it’s likely they’ll do this again in 2018, Gabel said. The state’s ACA exchange, dubbed Covered California, cited the study when it announced preliminary rates last week, signalling to consumers that they could purchase cheaper plans if they choose wisely.

“It’s never great when rates increase,” Anthony Wright, executive director of the California health consumer advocacy group Health Access, told ThinkProgress. “But the ACA provides a framework to deal with those rate increases.”

The ACA subsidizes premiums and out-of-pocket costs so costumers don’t feel the brunt of rising insurance costs. Eighty-six percent of Cover California enrollees receive tax credits to help pay for premiums. In other words, the federal government picks up the bulk of the tab when insurers raise prices.

“For those who do not qualify for subsidies, they have the ability to shop and switch for a better deal,” said Wright. The California exchange echoed this point, citing that almost 55 percent of consumers will either be able to pay less or see a rate go up by no more than 5 percent if consumers switch plans.

Covered California does a better job at simplifying the shopping experience than most states. California is among three states that helps customers shop smart by only offering standardized options for plans offered in each metal tier. Standardization plans have fixed out-of-pocket limits and benefits. This allows costumers to make apples-to-apples comparisons when they are shopping around for a plan in each metal tier. The Centers for Medicare and Medicaid Services (CMS) advises insurers to create standardized options for sale but does not require them.

Gabel attributes Covered California’s easy-to-understand exchange as a driving force behind consumers purchasing lower-premium plans. Given the study limitations, it’s difficult to determine if Californians shops more than other states because of how its exchange is set up. An Avalere study suggests that only about one third of enrollees who purchased health care on the federal marketplace in 2016 kept their same plan from 2015. (Twenty-eight states use the federally-facilitated marketplace.)

Wright did acknowledge that changing plans could mean changing a provider. “This might not be an option for someone committed to provider or network,” he said, “specifically someone undergoing specific treatment.”

Additionally while consumers look to sidestep high premium costs, they passed on other subsidies. Another recent study led by Harvard Medical School showed that nearly one-third of California enrollees signed up for bronze plans, which have cheaper premiums, instead of silver plans, which is the only metal plan that offers cost-sharing subsidies. Wright said when Covered California became privy to this, Health Access went out of their way to inform consumers of their eligibility.

With the onus on the consumers, there are bound to be missteps along the way despite best efforts to streamline the process — but for now California could offer a lesson to other states.

The U.S. economy is “broken” — here’s the proof

Money Watch

The U.S. economy is “broken” — here’s the proof

By Alain Sherter, MoneyWatch        August 8, 2017

Many Americans correctly perceive the U.S. as a land of “haves” and “have-nots,” reflecting the erosion of the middle class and a growing public awareness of economic inequality. Less widely understood is where the “have-just-about-everythings” fit into the mix.

As a chart making the rounds starkly shows, it is only those at the apex of the income ladder – the 0.1 percent atop the 99.9 percent – that have seen a significant gain in their income over the last three decades. The numbers speak for themselves.

Between 1980 and 2014, income for the middle 40 percent of U.S. households – meaning those with average pre-tax earnings of $65,300 – rose a total of 42 percent. That’s about 1.2 percentage points per year.

By comparison, income for the top 1 percent during that period – people with average income of $1.3 million – rose 204 percent, or 6 percent a year. But the really big gains accrue still higher up the ladder.

Income for the top 0.1 percent ($6 million in average income) jumped 320 percent between 1980 and 2014. And it positively exploded for the richest Americans: Income for the .001 percent (average income of $121.9 million) shot up 636 percent, or nearly 19 percent per year.

income-growth-ed.jpg  Thomas Piketty, Emmanuel Saez, Gabriel Zucman

What do such figures say about the American economy?

“The most important takeaway is that the U.S. economy is broken,” said Gabriel Zucman, co-author of the study that produced the chart and one of the country’s leading experts on inequality, by email. “Since 1980, there has been no growth for half of the population (the bottom 50 percent of income earners) and only very limited growth for the bottom 90 percent, while a tiny minority (the top 1 percent) has seen its income skyrocket.”

Here’s what the chart means in dollars and cents: Since 1980, average pre-tax income for people in the the top 1 percent has tripled, to about $1.3 million a year (as of 2014). For those in the bottom 50 percent, income has idled at around $16,000.

In other words, it’s back to the future, with the income gap in the U.S. roughly at the same level as in the late 1920s. Just before the Great Depression, the wealthiest 1 percent of Americans collected nearly a quarter of the nation’s income, while the bottom 90 percent got just over two-thirds. Today, the 1 percent have roughly 20 percent of national income.

Sure, skeptics might ask, wasn’t America always somewhat lopsided in its distribution of wealth, rightfully rewarding those individualists bumptious enough to build empires while leaving comparatively less for average folks?

Not really. Between 1946 and 1980, income for the bottom 10 percent rose faster than that of the top 10 percent. Poorer Americans saw the biggest gains – a 179 percent growth in income during those years. The bottom half of income-earners saw their income grow more than 100 percent, compared with 57 percent for the .001 percent.

“From 1946 to 1980 incomes were growing at roughly the same pace for everybody, and macroeconomic growth was strong,” said Zucman, an economist at the University of California-Berkeley (whose co-authors for the study included two other leading inequality scholars — Thomas Piketty of the University of Paris and Emmanuel Saez, also of UC Berkeley). “This shows that it is possible to have an economy that is both dynamic and equitable.”

lifechart.gif Health Inequality Project

Not surprisingly, the tidal shift in who earns what in the U.S. is expressing itself in other ways — like who lives longer. Over the last 30 years, the life expectancy of low-income workers has stagnated, and even declined in some parts of the country. (Life expectancy is an estimate of how many more years a person has to live at a given age, while the mortality rate refers to the number of deaths over a given period of time.)

As a result, a 40-year-old man in the top 1 percent of U.S. income earners can expect to live to 87, economic research shows. Among the bottom 1 percent, a man of the same age can expect to make it to 72. The main reason for that divergence, as economists Anne Case and Angus Deaton showed last year: a surge in deaths among people in this group from drug and alcohol abuse and from suicide.

That’s not merely a sign of a troubled economy — it’s broken.

From spectacular vistas to the pits: A decades-long public land battle continues in the California desert

The Los Angeles Times

From spectacular vistas to the pits: A decades-long public land battle continues in the California desert

The Eagle Mountain iron mine closed more than 30 years ago, and it still haunts the park that borders it on three sides.

By Bettina Boxall, Contact Reporter, Reporting From Desert Center, California   August 7, 2017

Just beyond the southeast corner of Joshua Tree National Park, rows of boarded-up houses, gouged mountainsides and concrete ruins are an ugly reminder of the never-ending battle over the West’s public lands.

This scarred piece of California desert is what’s left of one of the country’s largest open-pit mining operations and the little company town that Kaiser Steel Corp. built after World War II. More than three decades after the Eagle Mountain iron mine closed, it still haunts the park that borders it on three sides.

Plans to turn the site into a huge landfill and dump as much as 20,000 tons a day of Southland garbage into the gaping mine pits died in 2013 after years of court battles. Now, a private company wants to use the pits for a $2-billion hydropower project.

The plant, proponents say, would help boost renewable energy use in Southern California and lower greenhouse gas emissions. But park officials fear the hydropower project could draw down local groundwater levels and harm wildlife.

The Eagle Mountain tract, shaped like a handgun aimed at the park’s interior, offers a lesson in what can happen when federal monument protections are stripped from public lands — as President Trump’s administration is considering doing at a number of national monuments in the West.

“It’s been a sordid history,” said Mark Butler, a former Joshua Tree superintendent who is retired from the National Park Service.

It’s been a sordid history.

Steve Lowe, president of Eagle Crest Energy Co., stands amid the ruins of the ore loading area.

— Mark Butler, former Joshua Tree National Park superintendent Steve Lowe, president of Eagle Crest Energy Co., stands amid the ruins of the ore loading area. (Irfan Khan / Los Angeles Times)

In 1936, President Franklin D. Roosevelt established Joshua Tree National Monument on roughly 825,000 acres of federal and railroad holdings northeast of Palm Springs, capping a hard-fought campaign to conserve a singular desert landscape of Joshua trees, massive boulders and spectacular vistas.

But the monument’s ban on new mining claims infuriated gold and silver prospectors who’d long mined the area. In the 1940s, Kaiser Steel bought old patented claims to iron deposits in the Eagle Mountains and started digging them up.

In 1950, Congress shrank the monument by more than a third, chopping a chunk off the northern boundary and the Eagle Mountain area. The way was cleared for Kaiser to blast millions of tons of iron ore out of the mountainsides over the next three decades and ship it by rail to the roaring blast furnaces of the company’s Fontana steel plant.

The 1994 California Desert Protection Act that upgraded Joshua Tree to a national park added much of the Eagle Mountains to the park. But the law omitted the abandoned mine and surrounding federal land.

The reservoirs would be part of what Steve Lowe calls “an elegant solution” to a problem California is confronting.

On a recent day, the town remnants baked in 120-degree heat beneath a mountain of mine tailings. The hulking ruins of the ore loading area looked like a bombed-out village in Afghanistan. Rock benches traced the excavation of four huge pits.

Jeff Harvey and Steve Lowe of Eagle Crest Energy Co. climbed to the top of a metal tower that Kaiser foremen had used to direct mine traffic.

The 360-degree view swept from park peaks to the north, over the moonscape of the mine to the haze-veiled Chuckwalla Valley in the distance.

“This would be full of water,” said Harvey, looking at one of two pits that Eagle Crest wants to convert to reservoirs.

Separated by about 1,400 feet of elevation, the reservoirs would be part of what Lowe calls “an elegant solution” to a problem California is confronting as it boosts renewable energy production.

The sun doesn’t shine and the wind doesn’t blow according to peak electricity demand. Utilities need some way of storing wind and solar power — or shifting the production time.

One way is with battery systems. Another is through pumped water — the method that Eagle Crest proposes to use in an area that averages less than 4 inches of rain a year.

When the solar panels and wind turbines that are sprouting from the desert floor churn out more power than the electrical grid needs, Eagle Crest would use some of that excess to pump water through an underground tunnel system to the 191-acre upper reservoir.

Later in the day, when energy demand climbs, the water would be released back into the tunnel system, powering turbines and generating electricity at it flowed downhill to the 163-acre lower reservoir.

Pumped storage is not new. There are seven of the operations scattered around California at reservoirs and lakes. Eagle Mountain would be the biggest in the state, capable of producing 1,300 megawatts of electricity — enough to supply nearly 1 million homes.

Like all pumped hydropower systems, it would actually consume more energy pushing water uphill than it generates with the downhill flow.

Unlike the other California operations, Eagle Crest would use groundwater — piped from three new wells drilled on private land in the Chuckwalla Valley to the south.

Over the project’s four-decade life, the company says, it would withdraw a total of about 100,000 acre-feet from the Chuckwalla aquifer. That is enough to supply 200,000 homes for a year.

It is also enough to worry park officials.

They don’t think groundwater feeds their springs. But the Pinto Basin aquifer on Joshua Tree’s east side supplies the Chuckwalla with underflow. Draw down the Chuckwalla, they fear, and groundwater levels in the park could drop.

“The aquifers that underlie the park are ancient,” Joshua Tree Superintendent David Smith said. “Once you start depleting those reservoirs, no one knows what’s actually going to happen. How will that affect the park.… I don’t want to take that risk.”

He cited a 2012 research paper by federal scientists who concluded that groundwater recharge rates in the Chuckwalla Basin may be much lower than previously estimated, suggesting the aquifer is already in overdraft.

A view of the lower portion of the Eagle Mountain mine site and abandoned company town. A large solar farm is in the distance.

A view of the lower portion of the Eagle Mountain mine site and abandoned company town. A large solar farm is in the distance. (Irfan Khan / Los Angeles Times)

Eagle Crest, which bought the 10,000-acre Eagle Mountain site two years ago for $25 million, disputes the paper. Even if it is accurate, Harvey says, company wells would deplete the Chuckwalla aquifer by less than 1%.

Groundwater isn’t the park’s only worry. The hydropower project would disturb an area that has been largely quiet for decades, allowing bighorn sheep and other wildlife to return.

Butler warns that plopping two artificial lakes on such arid land would attract ravens and other predators that could prey on threatened desert tortoises and other park wildlife.

“You’re going to be essentially changing the ecology of that region,” said Butler, who was Joshua Tree’s superintendent from 2011 to 2014.

Despite the park service objections, the Federal Energy Regulatory Commission granted Eagle Crest a hydropower license in 2014.

In April, the U.S. Bureau of Land Management announced it was preparing to approve a right of way on federal land outside of the park for 12 miles of Eagle Crest transmission lines and a 15-mile, buried water pipeline from the wells.

Both agencies essentially concluded that the hydropower project would not cause significant environmental harm and would not deplete the aquifer over the long term.

“It’s a FERC-licensed project, so it is pretty much the law of the land right now,” Smith said with an air of resignation.

He grew up in San Diego County, the son of desert rats who headed for Joshua Tree and Anza-Borrego Desert State Park on the weekends. He learned how to climb on Joshua Tree’s boulders. He got his first permanent park service job there.

“I love Joshua Tree. It’s part of who I am as a person,” said Smith, who succeeded Butler as superintendent.

He manages a park that is surging in popularity — Smith expects 3 million visitors this year — and is beset by outside pressures.

Development is on its doorstep. The nitrogen in Southland smog fertilizes invasive grasses that spread across the park, carrying ecologically destructive wildfires with them. Global warming threatens the park’s signature Joshua trees.

“Once you start depleting those reservoirs, no one knows what’s actually going to happen…. I don’t want to take that risk.”

— David Smith, superintendent at Joshua Tree National Park

Weed-filled streets and boarded-up houses are all that is left of the company town.Weed-filled streets and boarded-up houses are all that is left of the company town. (Irfan Khan / Los Angeles Times)

Yes, he acknowledges, the Eagle Crest project could help reduce the greenhouse gas emissions that fuel climate change. “My concern is that the solution does not cause problems in the park,” he said.

Lowe, Eagle Crest’s president, ticks off the ways in which the abandoned mine is “a great site” for his project.

It is close to existing electrical transmission corridors and solar farms — a new one glints just down Kaiser Road. And, he says, it’s “repurposing a brownfield site that is never going to wind up the way it was.”

Lowe and his late father, Art, founded the company in 1991 and started pursuing the hydropower project despite the competing landfill proposal.

Initially, they eyed the wind turbines popping up in the desert. Now, with the growth of solar and California’s push for renewable energy, Lowe figures his time has come.

“The grid needs this,” said Lowe, who runs the company out of Santa Monica.

Two years ago Eagle Crest signed up a development partner, NextEra Energy, a large energy producer with several solar farms in the California desert, including Desert Sunlight, the 4,000-acre operation down the road.

But Lowe has yet to line up utility customers for the hydropower. And conservation groups have filed protests of the pending right-of-way approval in a move that foreshadows another court fight.

The long battle over Eagle Mountain, it seems, is not yet over.

“Since those boundaries were changed, there’s been almost 70 years of fighting over this landscape,” said David Lamfrom, California desert director for one of the groups, the National Parks Conservation Assn.

“So when people are thinking about the real implications of rolling back national monuments — they are severe.”

“I’ve spent a decade of my career trying to correct past wrongs as they relate to Joshua Tree National Park,” he added.