ஒரு முடிவாதன் இருக்கான் போல நல்ல வேல கடிக்காம விட்டதே அதுவரைக்கும் சந்தோஷம்
Your eye health can be a precursor for Parkinson’s disease
Your eye health can be a precursor for Parkinson’s disease
The American Academy of Neurology supported by the Seoul Metropolitan Government – Seoul National University Boramae Medical Center and the Korean Ministry of Education, Science and Technology, conducted a study that says thinning of retina of our eyes is linked to early Parkinson’s disease. The study was published recently in online issue of Neurology®, the medical journal of the American Academy of Neurology.
Jee-Young Lee, study author, from the Seoul Metropolitan Government – Seoul National University Boramae Medical Center in South Korea said to a section of media, “Our study is the first to show a link between the thinning of the retina and a known sign of the progression of the disease — the loss of brain cells that produce dopamine. We also found the thinner the retina, the greater the severity of disease. These discoveries may mean that neurologists may eventually be able to use a simple eye scan to detect Parkinson’s disease in its earliest stages, before problems with movement begin.”
The researchers worked with 49 people who were diagnosed with Parkinson’s disease two years earlier but hadn’t yet started medication. The average age of these participants was 69 years. The data obtained from these participants was than compared with that of 54 people of the same age but without Parkinson’s.
Each participant was asked to undergo a complete eye exam as well as high-resolution eye scans. These eye scans use light waves to take high resolution pictures of each layer of the retina. It was seen that 28 out of the 49 participants with Parkinson’s also went through dopamine transporter positron emission tomography (PET) imaging so that scientists could determine the density of dopamine-producing cells in the brain.
However, the results of the study indicated that the thinning of retina especially that of the two inner layers of the five total layers, was strongly evident in those suffering from Parkinson’s along with loss of dopamine-producing brain cells.
More evidence is needed to confirm the findings and to determine just why retina thinning and the loss of dopamine-producing cells are linked, said the researcher. It more studies produce similar results then retina scans may not only allow earlier treatment of Parkinson’s disease but more precise monitoring of treatments that could slow progression of the disease as well, think the researchers.
The research team notes that a limitation of this research is how the retina scans focused only on a limited area of the retina. The study was done quickly and also did not follow participants over a long period of time.
Film Review: ‘Billionaire Boys Club’
Film Review: ‘Billionaire Boys Club’
Kevin Spacey is the best and worst thing about a second-rate 'The Wolf of Wall Street' knockoff that simultaneously celebrates and condemns ’80s excess.
Director: James Cox
With : Ansel Elgort, Kevin Spacey, Taron Egerton
Release Date: Aug 17, 2018
Kevin Spacey is the best and worst thing about a second-rate 'The Wolf of Wall Street' knockoff that simultaneously celebrates and condemns ’80s excess.
Director: James Cox
With : Ansel Elgort, Kevin Spacey, Taron Egerton
Release Date: Aug 17, 2018
Tough break. After 15 years in director’s jail, “Wonderland” helmer James Cox resurfaces with another smarmy true-crime drama, “Billionaire Boys Club,” this one about a bunch of Los Angeles investment scammers who wound up whacking a couple of their associates when their Ponzi scheme started to go south, only to have the film implode in the wake of #MeToo allegations against co-star Kevin Spacey. (Cox made one other film, 2013’s “Straight A’s,” which fell all but unheard in the straight-to-DVD forest.) This one quietly debuted via VOD on July 17, where there was presumably little demand, followed by a small theatrical release a month later.
Granted, it doesn’t help that “Billionaire Boys Club” was horrible to begin with, the kind of dumbed-down, West Coast, wanna-be “The Wolf of Wall Street” that gives “derivatives trading” a whole new meaning. But the irony of the film’s inevitable failure is that Spacey — who delivers one of his great egomaniacal scenery-chewing performances — took the risk of playing a character dangerously close to his off-screen persona (the one captured by Croatian paparazzi slapping a young man’s backside, or outed by “Rent” star Anthony Rapp as a predatory pederast late last year) at roughly the same moment those similarities were revealed to the world, making it doubly uncomfortable to watch the actor leer at the ensemble of generically handsome Ken-doll dudes the movie parades in front of him.
A flashy, all-surface-no-substance plunge into ’80s excess, “Billionaire Boys Club” is inspired by the spectacular rise and calamitous fall of financial scam artist Joe Hunt — a name he had given himself, somewhere between being booted from the Harvard School debate team for falsifying evidence and busted for fraud while working as a floor trader on the Chicago Mercantile Exchange. Played with dopey naiveté by Ansel Elgort (who previously co-starred with Spacey in “Baby Driver”), Hunt is presented here as a well-meaning victim of class circumstances, seduced into betraying a bunch of born suckers by the glitzy allure of their Beverly Hills lifestyles. The movie goes far out of its way to suggest that Hunt wasn’t such a bad guy, joining this summer’s ill-conceived “Gotti” in the category of loathsome apologias for convicted creeps.
As with “Wonderland” — which retold the true story of the drug-deal-gone-wrong fictionalized in the third act of “Boogie Nights,” doing so with a stunning lack of style or purpose — Cox revisits a notorious L.A.-area crime, this one previously used as fodder for a 1987 TV movie starring Ron Silver in the Spacey role (Judd Nelson, who played Hunt in that version, resurfaces here as the character’s father). In this case, rather than delivering a film that inevitably pales in comparison with Paul Thomas Anderson’s treatment of the same subject, Cox finds himself doing a poor imitation of Martin Scorsese, channeling the manic hedonism of both “Goodfellas” and “The Wolf of Wall Street,” minus the seductive magnetism of either film’s central performance.
Cox isn’t much of a screenwriter, but he’s picked up a few tricks behind the camera, injecting gratuitous winks to the early-’80s milieu, many of which will be lost on audiences too young to catch the references — like the sight of Hunt, looking fly in suit and shades, blown away by a hi-fi stereo (not Maxell, though it might as well be), while not-entirely-reliable narrator Dean Karny (“Kingsman’s” Taron Egerton) spouts some nonsense about what it takes to be rich. The movie is positively fixated on wealth, radically oversimplifying the scheme by which Hunt and Karny arranged to make millions. “Because the perception of reality is more important than reality itself,” Spacey explains at one point, all but daring to overlook the hairpiece that transforms him into Hollywood player Ron Levin.
Levin is one of those larger-than-life figures at which Spacey excels, a vaguely homosexual variation on the ruthless super-agent he played in “Swimming With Sharks,” and he’s got a few wild scenes, including one in which Levin dines with Andy Warhol (an unrecognizable Cary Elwes) at Spago, making lewd remarks about the size of certain celebrity endowments. We’re meant to identify with Hunt, who grew up hopelessly middle class and doesn’t dare jeopardize his entrée into posh Beverly Hills circles, but any normal person would run the other way. Instead, he dives even deeper into what feels like the swimming pool from “Less Than Zero,” dating artist’s assistant Sydney Evans (Emma Roberts), who’s the closest thing this movie has to a conscience and one of the only female characters in this bro-y boys’ club. There are no billionaires here, just a lot of testosterone where the movie’s brains ought to be.
Film Review: 'Billionaire Boys Club'
Reviewed online, Little Rock, Aug. 15, 2018. MPAA Rating: R. Running time: 108 MIN.
Production: A Vertical Entertainment release, presented in association with Zeal Media, Armory Films, Tibet Born Asset Management Co., Vantage Entertainment Inc., of an HW Prods, Elevated Films production, in association with Aperture Media Partners, The Fyzz Facility. Producers: Holly Wiersma, Cassian Elwes, Christopher Lemole, Tim Zajaros. Executive producers: Jere Haufater, Crystal Lourd, Logan Levy, Jared D. Underwood, Andrew C. Robinson, Joshua Safran, Chad Faust, Xiyuan Jin, Hongbo Kang, Xiaoye Yang, Wayne Marc Godfrey, Robert Jones, Alastair Burlingham. Co-executive producers: Elia Attie, Najeeb Thomas, Lauren Bratman, Jeff McEvoy, Stephen Cox. Co-producers: Yimin Han, Xiaowen Song, Xin Yang, Mike Upton, Captain Mauzner.
Crew: Director: James Cox. Screenplay: Cox, Captain Mauzner. Camera (color, widescreen): J. Michael Muro. Editors: Glen Scantlebury, Amy Collier. Music: Edward Shearmur.
With: Ansel Elgort, Kevin Spacey, Taron Egerton, Emma Roberts, Ryan Rottman, Jeremy Irvine, Thomas Cocquerel, Bokeem Woodbine, Barney Harris, Waleed Zuaiter, Rosanna Arquette, Cary Elwes, Judd Nelson.
Source : https://variety.com/2018/film/reviews/billionaire-boys-club-review-1202909577/
If rookie James Daniels is close to ready, time might be right for Bears to make him center
If rookie James Daniels is close to ready, time might be right for Bears to make him center
If the Bears are contemplating a move on their offensive line to slide rookie second-round pick James Daniels into the starting lineup at center, this is the week to do it.
After Saturday night’s 24-23 exhibition victory over the Broncos at Mile High Stadium, preparation shifts to what will be a mock game week. In advance of the Chiefs coming to Soldier Field next Saturday, the coaching staff will simulate, as best as possible, the work that goes into preparing for a regular-season game.
It also will be the exhibition game in which the starters get the most action, likely playing into the third quarter. So if Daniels is ready, or if the coaches believe he’s close to ready, the time to promote him is now so he can get some work with quarterback Mitch Trubisky.
It’s sure to be a topic of discussion, whether or not the Bears want to hear it, especially after a shotgun snap from Cody Whitehair went through Trubisky’s hands and led to a safety in the first quarter. That snap, however, was fine, and the quarterback admitted afterward he should have caught it.
READ MORE: Bears first-string offense has some good, bad and ugly in 24-23 exhibition win over Broncos »
Trubisky was on the field for a total of 26 snaps, not counting penalties. Nineteen plays were run from the shotgun, an indication of how prevalent that alignment will be in the new offense. Whitehair took a series with No. 2 quarterback Chase Daniel at the end of the second quarter — seven more plays, six from the shotgun. There weren’t any alarming snaps, although he did send one back at Trubisky’s ankles on a play that was blown dead by a penalty. The false start by Bobby Massie could have contributed to that.
Whitehair used a new snapping technique Saturday from the shotgun, something that is called the dead snap, holding the nose of the ball and almost flipping it back. It’s a departure from the traditional spiral snap.
“I was trying a little something different and it worked better for me,” Whitehair said. “Guys that are struggling go to that because for whatever reason you grip the ball a little bit better and you have a little bit more control over it. It’s what I tried and it ended up working out for me.”
Preseason: Bears 24, Broncos 23
Photos from the Bears-Broncos preseason game at Mile High Stadium on Aug. 18, 2018.
It’s akin to a pitcher changing his grip on a pitch and if this works, perhaps things will settle down for him. Whitehair said he worked on it the “past couple days” so with more time, he should become more proficient. You see the dead snap more at the college level.
Whitehair has been battling a case of the occasional bad snap. A high snap last week at Cincinnati short-circuited one of eight plays by the first unit. There have been too many — about one per practice, including Wednesday and Thursday during joint practices with the Broncos. Coach Matt Nagy has firmly backed Whitehair but also said the situation needs to be corrected.
It will be interesting to see if the Bears do anything in the week ahead. Promoting Daniels now would help avoid the kind of musical chairs the Bears have played on the offensive line the last few years, especially if they’re leaning on playing the Iowa product sooner rather than later.
Two years ago, Whitehair played left guard exclusively in preseason before the Bears signed Josh Sitton on the weekend of final cuts and shifted the then-rookie to center for the season opener. In 2015, Kyle Long was moved from right guard to right tackle after the preseason ended. For a unit that requires such continuity, the Bears have done more than their share of changing on the fly, something that becomes necessary when injuries strike.
Daniels, drafted 39th overall, is the center of the future. Is he also the center for right now?
“Cody knows I’ve got his back,” Trubisky said during the week. “Cody cares more about this team and this game than pretty much anybody. If you guys knew how much Cody loved this game, this team, there wouldn’t be any questions about it. So I’m not worried one bit.”
It’s not that Whitehair can’t snap. He was better, or at least more consistent, as a rookie in 2016 than when he started at all three interior positions last season. Maybe it’s a case of the yips. Maybe it’s just a rough patch that just happens to come as the team is ramping up for the Sept. 9 opener at Green Bay. Whatever the case, the situation has been magnified because Daniels was drafted as a center who also can play guard, not a guard who can move inside.
Listening to Trubisky, it sure sounds as if Whitehair has been pressing. He works hard and is a prideful guy. Moving him to left guard certainly wouldn’t be a demotion. He’s a building a block for the future of the offensive line.
The Bears at least have been preparing Daniels for the move. Since returning from the shoulder injury that kept him out of three practices and the preseason opener against the Ravens in Canton, Ohio, he’s worked exclusively at center. That’s after splitting time there and at left guard.
Even if Daniels is going to have some growing pains in the role, he will have veterans on each side of him. It’s not like Nagy is in a situation where it’s win or else. The coach has a five-year contract and a chance to grow his young players. The general manager got a new contract this offseason, so if the Bears think Daniels is close, it makes sense to make the move.
Maybe Whitehair has settled down, can improve upon his new dead snap and the Bears will stick with him. But eventually, you have to think Daniels is the man in the middle.
bmbiggs@chicagotribune.com
Twitter @BradBiggs
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Nick Jonas & Priyanka Chopra Confirmed Their Engagement With A Romantic Selfie — PHOTO
Nick Jonas & Priyanka Chopra Confirmed Their Engagement With A Romantic Selfie — PHOTO
After tons of speculation and "congratulations" getting thrown around, it happened: Nick Jonas and Priyanka Chopra confirmed their engagement — and they did so in such a lovely way. Early Saturday morning, Chopra and Jonas took to Instagram to share a brightly colored selfie, gazing into one another's eyes. And as fans would hope, Chopra's engagement ring is on full display (and yes, it is stunning).
In the caption, the Quantico actor wrote, "Taken.. With all my heart and soul.." As the geotag indicates, the snapshot is from their recently rumored trip to Mumbai, where their families were supposed to meet. That theory was confirmed by another photo gallery Chopra posted to Instagram, showing the Jonas and Chopra fams posing together. She captioned the series of images, "The only way to do this... with Family and God. Thank you all for your wishes and blessings."
As for the future groom, Jonas shared the same selfie with Chopra and wrote, "Future Mrs. Jonas. My heart. My love." Not only that, but Jonas also commented on Chopra's pic too. The singer jokingly wrote, "Wow congrats... He's the luckiest guy in the world," along with a smug face emoji and a heart. For a couple that previously kept things so under wraps, they're really embracing their relationship in the spotlight finally and no wonder they're so happy.
In the caption, the Quantico actor wrote, "Taken.. With all my heart and soul.." As the geotag indicates, the snapshot is from their recently rumored trip to Mumbai, where their families were supposed to meet. That theory was confirmed by another photo gallery Chopra posted to Instagram, showing the Jonas and Chopra fams posing together. She captioned the series of images, "The only way to do this... with Family and God. Thank you all for your wishes and blessings."
As for the future groom, Jonas shared the same selfie with Chopra and wrote, "Future Mrs. Jonas. My heart. My love." Not only that, but Jonas also commented on Chopra's pic too. The singer jokingly wrote, "Wow congrats... He's the luckiest guy in the world," along with a smug face emoji and a heart. For a couple that previously kept things so under wraps, they're really embracing their relationship in the spotlight finally and no wonder they're so happy.
Nick Jonas & Priyanka Chopra Confirmed Their Engagement With A Romantic Selfie — PHOTO
ByJamie Primeau
23 hours ago
Dimitrios Kambouris/Getty Images Entertainment/Getty Images
After tons of speculation and "congratulations" getting thrown around, it happened: Nick Jonas and Priyanka Chopra confirmed their engagement — and they did so in such a lovely way. Early Saturday morning, Chopra and Jonas took to Instagram to share a brightly colored selfie, gazing into one another's eyes. And as fans would hope, Chopra's engagement ring is on full display (and yes, it is stunning).
In the caption, the Quantico actor wrote, "Taken.. With all my heart and soul.." As the geotag indicates, the snapshot is from their recently rumored trip to Mumbai, where their families were supposed to meet. That theory was confirmed by another photo gallery Chopra posted to Instagram, showing the Jonas and Chopra fams posing together. She captioned the series of images, "The only way to do this... with Family and God. Thank you all for your wishes and blessings."
As for the future groom, Jonas shared the same selfie with Chopra and wrote, "Future Mrs. Jonas. My heart. My love." Not only that, but Jonas also commented on Chopra's pic too. The singer jokingly wrote, "Wow congrats... He's the luckiest guy in the world," along with a smug face emoji and a heart. For a couple that previously kept things so under wraps, they're really embracing their relationship in the spotlight finally and no wonder they're so happy.
Priyanka Chopra/Instagram (screenshot)
Almost as soon as Chopra and Jonas posted the image on Saturday morning, the celebratory comments flooded in. At the time of reporting, Chopra's pic was posted just four hours ago and has nearly 2.5 million likes. Sure, people were excited about the engagement when it was merely a rumor back in July, but this is next-level joy — and it's totally warranted. Finally, they're sharing their love story on their terms and they genuinely seem thrilled.
If you're just catching up to speed, Chopra and Jonas first were spotted together in May 2017 when they attended the Met Gala, but they spun it as a friendly scenario. It wasn't until an entire year later, May 2018, that the dating rumors actually began. That month, they reportedly saw Beauty and the Beast Live at the Hollywood Bowl, spent Memorial Day Weekend together on a boat, and the rest is history.
Aside from the occasional flirty Instagram comment, there wasn't really concrete confirmation that these two were really a thing. But then, in July, the engagement rumors spread like wildfire According to People, Jonas closed an entire Tiffany's store to buy a ring before asking Chopra to marry him on her 36th birthday in London. If that really is the way the proposal went down, it's over-the-top yet undeniably adorable.
ByJamie Primeau
23 hours ago
Dimitrios Kambouris/Getty Images Entertainment/Getty Images
After tons of speculation and "congratulations" getting thrown around, it happened: Nick Jonas and Priyanka Chopra confirmed their engagement — and they did so in such a lovely way. Early Saturday morning, Chopra and Jonas took to Instagram to share a brightly colored selfie, gazing into one another's eyes. And as fans would hope, Chopra's engagement ring is on full display (and yes, it is stunning).
In the caption, the Quantico actor wrote, "Taken.. With all my heart and soul.." As the geotag indicates, the snapshot is from their recently rumored trip to Mumbai, where their families were supposed to meet. That theory was confirmed by another photo gallery Chopra posted to Instagram, showing the Jonas and Chopra fams posing together. She captioned the series of images, "The only way to do this... with Family and God. Thank you all for your wishes and blessings."
As for the future groom, Jonas shared the same selfie with Chopra and wrote, "Future Mrs. Jonas. My heart. My love." Not only that, but Jonas also commented on Chopra's pic too. The singer jokingly wrote, "Wow congrats... He's the luckiest guy in the world," along with a smug face emoji and a heart. For a couple that previously kept things so under wraps, they're really embracing their relationship in the spotlight finally and no wonder they're so happy.
Priyanka Chopra/Instagram (screenshot)
Almost as soon as Chopra and Jonas posted the image on Saturday morning, the celebratory comments flooded in. At the time of reporting, Chopra's pic was posted just four hours ago and has nearly 2.5 million likes. Sure, people were excited about the engagement when it was merely a rumor back in July, but this is next-level joy — and it's totally warranted. Finally, they're sharing their love story on their terms and they genuinely seem thrilled.
If you're just catching up to speed, Chopra and Jonas first were spotted together in May 2017 when they attended the Met Gala, but they spun it as a friendly scenario. It wasn't until an entire year later, May 2018, that the dating rumors actually began. That month, they reportedly saw Beauty and the Beast Live at the Hollywood Bowl, spent Memorial Day Weekend together on a boat, and the rest is history.
Aside from the occasional flirty Instagram comment, there wasn't really concrete confirmation that these two were really a thing. But then, in July, the engagement rumors spread like wildfire According to People, Jonas closed an entire Tiffany's store to buy a ring before asking Chopra to marry him on her 36th birthday in London. If that really is the way the proposal went down, it's over-the-top yet undeniably adorable.
Earlier this month, Chopra talked about keeping her personal life private while appearing on a panel. According to E! News, the actor told the audience,
"My entire life — my personal life — is not for public consumption. Ninety percent of my life is for public consumption, but 10 percent is for me. I'm a girl; I have the right to keep that to myself."
She also said, "My family, my friendships and my relationships are things I don't think I need to defend or explain to anyone. I am not running for office, so I don't think I need to give explanations." That's a totally fair explanation; just because she stars on screen, it doesn't mean her personal life should be an open book. And that also adds context to why Chopra and Jonas took their time confirming the rumors — they waited until they were actually ready.
Now that the news is out there, fans can officially celebrate. It looks like Jonas and Chopra are getting their happily-ever-after, and it's so sweet to see.
"My entire life — my personal life — is not for public consumption. Ninety percent of my life is for public consumption, but 10 percent is for me. I'm a girl; I have the right to keep that to myself."
She also said, "My family, my friendships and my relationships are things I don't think I need to defend or explain to anyone. I am not running for office, so I don't think I need to give explanations." That's a totally fair explanation; just because she stars on screen, it doesn't mean her personal life should be an open book. And that also adds context to why Chopra and Jonas took their time confirming the rumors — they waited until they were actually ready.
Now that the news is out there, fans can officially celebrate. It looks like Jonas and Chopra are getting their happily-ever-after, and it's so sweet to see.
NASCAR Cup Series: Kyle Larson clinches 2018 playoff berth
NASCAR Cup Series: Kyle Larson clinches 2018 playoff berth
While he has not won a race so far in the 2018 NASCAR Cup Series season, Chip Ganassi Racing’s Kyle Larson has clinched a playoff berth.
With his second place finish in the Bass Pro Shops NRA Night Race, the 24th race of the 36-race NASCAR Cup Series season, at Bristol Motor Speedway on Saturday night, Chip Ganassi Racing’s Kyle Larson clinched a berth in the playoffs based on his point total.
Larson, who drives the #42 Chevrolet, currently sits in ninth place in the championship standings and 12th in the playoff picture.
Two races remain on the regular season schedule, meaning that the maximum number of drivers who are currently outside of the playoff picture who could possibly win their way into the playoffs before the regular season ends is two.
The playoff cut line currently sits between the drivers who sit in 15th and 16th place in the championship standings. These drivers are Hendrick Motorsports’ Alex Bowman and Roush Fenway Racing’s Ricky Stenhouse Jr.
If two drivers who are currently below the playoff cut line win their way into the playoffs, the playoff cut line would move between the drivers who sit in 13th and 14th place in the championship standings. These drivers are currently Stewart-Haas Racing’s Aric Almirola and Hendrick Motorsports’ Jimmie Johnson.
Because a maximum of 55 points (10 points for winning stage one, 10 points for winning stage two and 35 points for finishing the race in second place) are on the table for drivers who do not win a given race, Johnson can make up a maximum of 110 points (108 points assuming Larson races since even last place finishers receive one point) over Larson over the course of the final two races of the regular season.
NASCAR Heat 3
Even if Johnson makes up this amount of points over Larson, he would not be able to surpass Larson’s point total. As a result, there is no possible way by which Larson can fall below the playoff cut line no matter how it rises, meaning he has clinched a playoff berth.
Johnson winning either one or both of the regular season’s final two races would not cause the playoff cut line to move since he is currently in the playoff picture.
Nine drivers have clinched playoff berths by winning at least one race so far this season and another three, including Larson, have done so based on their point totals. With two races remaining in the regular season, there are still four playoff positions available, meaning at least two more drivers will get into the playoffs based on their point totals.
Ebenezer Cobb Morley: Google Doodle celebrates football's founding father
Ebenezer Cobb Morley: Google Doodle celebrates football's founding father
Before Morley drafted the first 13 rules of football, the game was a mess of conflicting opinion, for players as well as spectators.
(CNN)Before 1863, football was a chaotic and mostly unregulated sport, with differing sets of rules that added to the confusion.
The first rules of football were formally written by Ebenezer Cobb Morley, whose 187th birthday is celebrated Thursday by Google Doodle.
Morley was born in Hull, England, and after founding Barnes Football Club he went on to establish the Football Association (FA), the sport's leading body in England.
As captain of Barnes Football Club, he soon realized how wild and violent the game could be, and wrote a letter to the popular newspaper Bell's Life, suggesting a set of standardized rules. The letter eventually led to a now-historic meeting, led by Morley, at the Freeman's Tavern on October 26, 1863.
After the meeting, Morley created the first official rules of the game, which would be standardized across England.
The 13 rules, which the FA published in a pamphlet titled "Laws of the Game," hint to the sheer violence of pre-regulated football -- one rule sternly prohibits "hacking," or kicking other players.
The original Laws of the Game, hand-written by Ebenezer Cobb Morley, on display at the National Football Museum in Manchester, England.
The original Laws of the Game, hand-written by Ebenezer Cobb Morley, on display at the National Football Museum in Manchester, England.
Another reads, "No player shall wear projecting nails, iron plates, or gutta percha on the soles or heels of his boots." Gutta percha was a tough form of latex players added to make their shoes more dangerous during a tackle.
The rules not only helped temper violent play, but standardized the game across the country, with the FA as the governing body.
The FA is now a member of FIFA and has a permanent seat on the International Football Association Board, which oversees and amends the Laws of the Game.
Morley died in 1924, and is known as "the founding father of world football," according to the FA. On the 150th anniversary of the FA in 2013, Morley's hometown of Hull celebrated his legacy with an Ebenezer Morley Day.
Source :
https://edition.cnn.com/2018/08/16/football/ebenezer-cobb-morley-football-intl/index.html
'Alaskan Bush People' Star Noah Brown Tied the Knot With Rhain Alisha During Intimate Ceremony
'Alaskan Bush People' Star Noah Brown Tied the Knot With Rhain Alisha During Intimate Ceremony
Here comes the bride! Alaskan Bush People star Noah Brown married the love of his life, Rhain Alisha, during an intimate ceremony in Idaho on Aug. 15. The couple reportedly exchanged their vows in front of about 25 people. Noah and Rhain decided on the date for a sentimental reason, because it marked the two-year anniversary since they met in Hoonah.
“We are so excited to start our new life together as husband and wife and we look forward to building new memories as our own family,” Noah and Rhain told People. “God bless everyone for all of the love and support.”
Here comes the bride! Alaskan Bush People star Noah Brown married the love of his life, Rhain Alisha, during an intimate ceremony in Idaho on Aug. 15. The couple reportedly exchanged their vows in front of about 25 people. Noah and Rhain decided on the date for a sentimental reason, because it marked the two-year anniversary since they met in Hoonah.
“We are so excited to start our new life together as husband and wife and we look forward to building new memories as our own family,” Noah and Rhain told People. “God bless everyone for all of the love and support.”
Rhain wowed in a white gown from David's bridal while Noah looked sharp in a suit put together from a "smattering of places." The attendees also dressed to impress, as Noah’s brother Gabe revealed to the site: “I tried on a tux for the first time ever. That was weird.”
The lovebirds opted for a color scheme of white, black, and deep purple. Only one day ago, Noah revealed how excited he was to introduce his parents to Rhain's mom and dad for the first time. "We are on our way down to Oregon to pick up the mommy-in-law and then back up to Idaho for the wedding,” Noah wrote via Facebook. “It will be good for our parents to finally meet.” Noah's mom Ami, who battled lung cancer last year, is elated for the pair.
“We are so happy for them,” Ami told People, while getting visibly upset. “We wish them years of happiness.” Noah previously gushed over his wife-to-be in Oct. 2017, revealing how she was his rock during one of the most difficult chapters in his life. "Rhain has been so patient and supporting [me] through everything that has been happening, my mother's cancer, having to leave Alaska, my car keeps breaking down, and all in all I have been thinking of how thankful I am that she moved in with [me] instead of going back to Oregon," he wrote. Congrats!
Alaskan Bush People returns Sunday, August 19 at 9 p.m. EST on Discovery.
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11 'Alaskan Bush People' Moments That Made You Say "WTF Are They Doing?!"
Source : https://www.intouchweekly.com/posts/alaskan-bush-people-noah-brown-married-164726
Single Woman Seeking Manwich | With Awkwafina
Let's face it. With the ghosting, inappropriate comments, and awkward small talk, dating can be terrible. Sarah Moses writes about it, in her essay, "Single Woman Seeking Manwich."
It's read by actor and rapper Awkwafina. She stars in "Crazy Rich Asians," in theaters August 15, and "Oceans Eight."
Where Are They Now?
Sarah Moses is a fan of the Modern Love column, and had wanted to write a piece for a long time. She realized that the sandwich incident gave her perfect material.
"I mean, it was just funny. And kind of sad. And that sort of sums up online dating," she says.
Sarah got a lot of responses to her story, and says that her favorite came from a woman who left her a voicemail a few months after her piece came out, where she explains that she has a 43-year-old son in Manhattan.
"He's a wonderful, smart, slim, handsome guy," the woman says in the message. "Very successful, and also feeling like New York is a hard place to meet people. And I thought you might like to meet each other. If you are at all game to meet someone because his mother left you a message, then please look him up on Facebook, and don’t tell him that his mother left this message. But if you should click, then we can reveal this secret."
"It was a riot," Sarah says. "She was really sweet. I never ended up meeting her son. I kind of wish that I had met her, though. She seemed pretty cool."
Sarah says that the story she wrote about wasn’t the only time that sandwiches intersected with her dating life. When she was up at a lake house with friends, she says she and one of the guys there started flirting. And the last night they were there, she decided to make a move.
"He had grabbed a half of a leftover sandwich out of the fridge," Sarah says. "And I noticed he’d left his phone in the house, so it was my excuse to go back out to his tent. I went to his tent, gave him his phone, and basically tried to get into the tent. And he was just like ... 'Please go away, I just want to eat my sandwich.' And I was just laughing because I was just rejected by a sandwich, and now I’m being rejected for a sandwich. So I need to rethink my relationships with sandwiches maybe."
Sarah is still dating, but she says she hasn't found the relationship she's been looking for.
"If finding someone to share your life with defines your life’s happiness, that’s just sad," she says. "I don’t accept that as an outcome. So I try hard to be fine doing stuff alone. Sometimes I’m lonely. Sometimes I feel alone. There’s a difference, though. Sometimes I’m really grateful that I’m alone. I think it’s a hard balance. I have certain things that I would just want to have in a partner. And if I don’t have that, I’m going to be fine like this."
Voices in this Episode
Awkwafina (Credit: Brian Higbee)
Awkwafina (Credit: Brian Higbee)
Awkwafina is an Asian-American actress, writer, rapper and musician from Queens, New York. Awkwafina, whose given name is Nora Lum, brings an impressive range of talent peppered with her signature flair, and is positioned to be the major breakout talent of summer 2018.
Lum will next be seen as Peik Lin in Warner Bros’ "Crazy Rich Asians" opposite Constance Wu, Michelle Yeoh, Henry Golding & Ken Jeong. The film opens August 15.
Lum most recently starred in Warner Bros’ box office hit “Ocean’s 8” which was directed by Gary Ross and featured ensemble cast including Sandra Bullock, Cate Blanchett, Anne Hathaway, Mindy Kaling, Sarah Paulson, Rihanna and Helena Bonham Carter. Prior to that she starred in the indie comedy “Dude,” written and directed by Olivia Milch, which follows four best girlfriends in the last two weeks of their senior year in high school.
Lum made her feature film debut in the comedy “Neighbors 2: Sorority Rising,” with Seth Rogen, Zac Efron and Rose Byrne. She was also heard as the voice of Quail in the 2016 animated adventure “Storks.”
Noted for the satire of her hilarious original music, Awkwafina became an internet sensation in 2012 with her viral video “My Vag.” Her 2014 debut album featured her acclaimed raps “NYC Bitche$,” “Mayor Bloomberg (Giant Margarita),” and the title track, “Yellow Ranger.” Her first book, Awkwafina’s NYC, a travel guide to New York, was published by Penguin Random House in 2015.
She is currently developing a scripted series with Comedy Central in which she will also star.
Sarah Moses (Courtesy of Joseph Barretto)
Sarah Moses (Courtesy of Joseph Barretto)
Sarah Moses’s writing has appeared in The New York Times, numerous neurotic iMessages to her friends, and random notes on her phone. She lives in Brooklyn and works in Manhattan at Penguin Young Readers. When not writing ad copy, snacking, dreaming about moving to Italy, reading, or running, Sarah can be found asleep with Bravo playing in the background and a bag of potato chips by her side. She recently finished a TV pilot and is currently working on a novel about a group of friends in their 40s (though most of that writing has taken place in her head).
It's read by actor and rapper Awkwafina. She stars in "Crazy Rich Asians," in theaters August 15, and "Oceans Eight."
Where Are They Now?
Sarah Moses is a fan of the Modern Love column, and had wanted to write a piece for a long time. She realized that the sandwich incident gave her perfect material.
"I mean, it was just funny. And kind of sad. And that sort of sums up online dating," she says.
Sarah got a lot of responses to her story, and says that her favorite came from a woman who left her a voicemail a few months after her piece came out, where she explains that she has a 43-year-old son in Manhattan.
"He's a wonderful, smart, slim, handsome guy," the woman says in the message. "Very successful, and also feeling like New York is a hard place to meet people. And I thought you might like to meet each other. If you are at all game to meet someone because his mother left you a message, then please look him up on Facebook, and don’t tell him that his mother left this message. But if you should click, then we can reveal this secret."
"It was a riot," Sarah says. "She was really sweet. I never ended up meeting her son. I kind of wish that I had met her, though. She seemed pretty cool."
Sarah says that the story she wrote about wasn’t the only time that sandwiches intersected with her dating life. When she was up at a lake house with friends, she says she and one of the guys there started flirting. And the last night they were there, she decided to make a move.
"He had grabbed a half of a leftover sandwich out of the fridge," Sarah says. "And I noticed he’d left his phone in the house, so it was my excuse to go back out to his tent. I went to his tent, gave him his phone, and basically tried to get into the tent. And he was just like ... 'Please go away, I just want to eat my sandwich.' And I was just laughing because I was just rejected by a sandwich, and now I’m being rejected for a sandwich. So I need to rethink my relationships with sandwiches maybe."
Sarah is still dating, but she says she hasn't found the relationship she's been looking for.
"If finding someone to share your life with defines your life’s happiness, that’s just sad," she says. "I don’t accept that as an outcome. So I try hard to be fine doing stuff alone. Sometimes I’m lonely. Sometimes I feel alone. There’s a difference, though. Sometimes I’m really grateful that I’m alone. I think it’s a hard balance. I have certain things that I would just want to have in a partner. And if I don’t have that, I’m going to be fine like this."
Voices in this Episode
Awkwafina (Credit: Brian Higbee)
Awkwafina (Credit: Brian Higbee)
Awkwafina is an Asian-American actress, writer, rapper and musician from Queens, New York. Awkwafina, whose given name is Nora Lum, brings an impressive range of talent peppered with her signature flair, and is positioned to be the major breakout talent of summer 2018.
Lum will next be seen as Peik Lin in Warner Bros’ "Crazy Rich Asians" opposite Constance Wu, Michelle Yeoh, Henry Golding & Ken Jeong. The film opens August 15.
Lum most recently starred in Warner Bros’ box office hit “Ocean’s 8” which was directed by Gary Ross and featured ensemble cast including Sandra Bullock, Cate Blanchett, Anne Hathaway, Mindy Kaling, Sarah Paulson, Rihanna and Helena Bonham Carter. Prior to that she starred in the indie comedy “Dude,” written and directed by Olivia Milch, which follows four best girlfriends in the last two weeks of their senior year in high school.
Lum made her feature film debut in the comedy “Neighbors 2: Sorority Rising,” with Seth Rogen, Zac Efron and Rose Byrne. She was also heard as the voice of Quail in the 2016 animated adventure “Storks.”
Noted for the satire of her hilarious original music, Awkwafina became an internet sensation in 2012 with her viral video “My Vag.” Her 2014 debut album featured her acclaimed raps “NYC Bitche$,” “Mayor Bloomberg (Giant Margarita),” and the title track, “Yellow Ranger.” Her first book, Awkwafina’s NYC, a travel guide to New York, was published by Penguin Random House in 2015.
She is currently developing a scripted series with Comedy Central in which she will also star.
Sarah Moses (Courtesy of Joseph Barretto)
Sarah Moses (Courtesy of Joseph Barretto)
Sarah Moses’s writing has appeared in The New York Times, numerous neurotic iMessages to her friends, and random notes on her phone. She lives in Brooklyn and works in Manhattan at Penguin Young Readers. When not writing ad copy, snacking, dreaming about moving to Italy, reading, or running, Sarah can be found asleep with Bravo playing in the background and a bag of potato chips by her side. She recently finished a TV pilot and is currently working on a novel about a group of friends in their 40s (though most of that writing has taken place in her head).
Source : http://www.wbur.org/modernlove/2018/08/15/single-woman-manwich-moses-awkwafina
Final Fantasy XV - Bluestacks Emulator
Final Fantasy XV - Bluestacks Emulator
- Name : Final Fantasy XV - Bluestacks Emulator
- Description: Hurry up and play one of the most popular & intriguing games of this year! Submit now!
How to use no claim bonus while buying insurance for new car
How to use no claim bonus while buying insurance for new car
No claim bonus (NCB) is accrued to a motor insurance policy if no claims are made during the policy period. The bonus works as a discount on the premium payable on the renewal of the policy. It is also possible to use the NCB while buying insurance for a new car. Here’s how to go about it.
Selling the old car
The existing car, which is eligible for NCB, must be sold either to the dealer or a third party for the NCB to be transferred to the new car. It is important ..
Applying for the NCB certificate
The policyholder can then write to the insurance company informing it about the sale of the old car and that he wants the NCB earned on the old car to be utilised for the new car. Existing insurance policy details should be mentioned in the email or letter for easy reference.
No claim bonus (NCB) is accrued to a motor insurance policy if no claims are made during the policy period. The bonus works as a discount on the premium payable on the renewal of the policy. It is also possible to use the NCB while buying insurance for a new car. Here’s how to go about it.
Selling the old car
The existing car, which is eligible for NCB, must be sold either to the dealer or a third party for the NCB to be transferred to the new car. It is important ..
Applying for the NCB certificate
The policyholder can then write to the insurance company informing it about the sale of the old car and that he wants the NCB earned on the old car to be utilised for the new car. Existing insurance policy details should be mentioned in the email or letter for easy reference.
Documents needed
The following documents are required along with the written application:
1. Copy of delivery note received for sale of old car.
2. A copy of booking form for the new car.
3. A copy of insurance policy for the old car.
Use of the NCB certificate
Once the application has been sent, it takes about one to two working days for the insurance company to issue the NCB certificate, which can be used as proof of the existing NCB. On the basis of the certificate, the insurance company can apply the NCB as a discount on the insurance premium for the new car. A substantial discount can be availed of if the existing NCB is 50%.
Points to note
1. To transfer the NCB to a new car, the insurance for it doesn’t have to be taken from the same insurer.
2. The NCB of an old car can make a big difference to the insurance premium of the new car.
(The content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.)
Read more at:
//economictimes.indiatimes.com/articleshow/63948845.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst
Lloyds Bank slashes Avios rewards for credit card customers: What's changing and are there any better alternatives?
Lloyds Bank slashes Avios rewards for credit card customers: What's changing and are there any better alternatives?
Amex cards being phased out with Lloyds Bank
Points will fall to 0.4 Avios per £1 spent compared to up to 1.25 previously
Are there any better alternatives? This is Money takes a look
Lloyds Bank has dealt a blow to existing customers by hacking at the rewards for its popular Avios Rewards credit card.
The account was taken off the shelves in May but the high street giant is now scaling back rewards for existing customers too.
American Express cards are being phased out and replaced with a new Mastercard paying 0.4 Avios per £1 spent - compared to up to 1.25 per £1, previously - making it far less generous.
Amex cards being phased out with Lloyds Bank
Points will fall to 0.4 Avios per £1 spent compared to up to 1.25 previously
Are there any better alternatives? This is Money takes a look
Lloyds Bank has dealt a blow to existing customers by hacking at the rewards for its popular Avios Rewards credit card.
The account was taken off the shelves in May but the high street giant is now scaling back rewards for existing customers too.
American Express cards are being phased out and replaced with a new Mastercard paying 0.4 Avios per £1 spent - compared to up to 1.25 per £1, previously - making it far less generous.
Lloyds has scrapped the annual fees on the card, but gone also are the the fee-free overseas spending - a rare find on a rewards card - and seat upgrade vouchers.
The changes are being made as American Express is no longer issuing cards through third party banks, so Lloyds will no longer be able to offer the Amex card linked to the account.
This is a knock on effect of the EU's cap to interchange fees in 2015 which slashed the amount of money banks and card provider could earn when processing payments.
When will you be told?
Lloyds is gradually sending letters to affected customers, between now and April 2019.
Customers will then be given 60 days after they receive the letter before the changes take effect.
You will receive a new card in the post and given a partial refund on any card fees paid in the past 12 months.
Direct debits will be automatically transferred but you will need to set up new standing orders for any subscriptions you have set up on your card.
You can find out more on the Lloyds website.
>Find out more about how to spend your Avios to make the most of your points
What's changed?
The Lloyds Avios Rewards card previously offered customers both an Amex and a Mastercard attached to the account.
The major benefit of this was that if a shop didn't accept Amex you could still earn points on spending.
When launched, its Lloyds Avios Rewards card cost £24 per year and offered double points for the first six months.
It came with no foreign transaction fees and a flight upgrade after you spent £7,000 in a year.
On top of this your spending then earned 1.25 Avios per £1 spend on the Amex card and 0.2 Avios per £1 on the Mastercard.
If you split a £1,000 monthly spend on the card between the Amex and the Mastercard you would have earned 8,700 Avios over the course of a year.
That's enough to get a return flight to Paris or Amsterdam.
Plus you would have bagged yourself a seat upgrade at the same time.
Avios points can be used on Aer Lingus, British Airways, Flybe, Iberia and Vueling flights.
As mentioned above the new deal is fairly basic with just one Mastercard paying 2 Avios per £5 spend – that's 0.4 Avios per £1.
On overseas spending you get 4 Avios per £5 spend, so that's 0.8 Avios per £1.
Excluding any holiday spends, the new rate means a £1,000 monthly spend now earns 4,800 Avios per year.
The card charges 2.95 per cent on foreign transactions and there will be no upgrade vouchers. APR rates will stay the same.
Got a Club Lloyds account? You can earn slightly more
If you already have a Club Lloyds Current Account, and have had one for six months you will get an extra point per £10 spend.
That's effectively an extra 0.1 Avios per £1, or 0.2 Avios per £1 on overseas spending.
Should you ditch it for a better alternative?
Rob Burgess, of airline rewards site Head for Points, said: 'If you have a Lloyd Avios Rewards card already, I would keep the replacement.
You won't find a better Visa or Mastercard earning rate than 0.4 Avios per £1. You should, however, get yourself a separate 0 per cent Foreign exchange fees credit card now that the Lloyds card is not free abroad as well as a separate American Express to benefit from the higher rewards those cards offer.'
The free BA American Express card pays 1 Avios per £1 while the £195 Premium Plus card gets you 1.5 per £1.
Other top-paying alternatives include the American Express Preferred Rewards Credit Card.
It offers Membership Rewards that can be swapped like-for-like with a handful of big name airline schemes, including British Airways, Emirates Skywards, Etihad Guest and Virgin Atlantic FlyingClub.
It's a premium card with a £140 annual fee - this is waived for the first year (and 22.9 per cent interest on spending).
You receive 20,000 Membership Rewards if you spend £2,000 within three months, 10,000 points for every year you spend more than £15,000.
Plus spends earn one point for each £1 and two points per £1 for foreign currency spends or airline bookings.
Virgin Bank has also launched two credit cards this year, to be used with Virgin Atlantic.
Its premium Reward+ Credit Card costs £160 a year with 22.9 per cent interest on purchases.
It offers 15,000 bonus points on your first card purchase, 1.5 Flying Club miles for every £1 you spend and a companion voucher or free upgrade after a £10,000.
The free Virgin Atlantic Reward Card also has a 22.9 APR per cent interest. It offers 5,000 bonus miles on first card purchase, 0.75 miles per £1 spent and a companion ticket or upgrade after a £20,000 spend
Source : http://www.thisismoney.co.uk/money/cardsloans/article-6055107/Lloyds-Bank-slashes-perks-Avios-Rewards-credit-card-customers.html
GoDaddy's Q2 web hosting revenues rise 14% to $244.6M; Total revenue at $651.6M
GoDaddy's Q2 web hosting revenues rise 14% to $244.6M; Total revenue at $651.6M
GoDaddy is the world's largest domain name registrar and manages about a fifth of all global web domains, but its web hosting business that serves consumers and small businesses has driven the bulk of its profits in recent quarters.
Internet domain provider GoDaddy missed Wall Street estimates for sales from its highly profitable web hosting business, pushing its shares down 4% on Thursday.
GoDaddy is the world's largest domain name registrar and manages about a fifth of all global web domains, but its web hosting business that serves consumers and small businesses has driven the bulk of its profits in recent quarters.
Analysts have said the Scottsdale, Arizona-based company's web hosting division generates profit margins well above 70%, compared with roughly half that amount at the domain business.
GoDaddy's revenue from web hosting rose about 14% to $244.6 million in the second quarter ended June 30. The figure missed analysts' average expectation of $247.3 million, according to FactSet.
Total revenue rose to $651.6 million while a roughly 10% increase in overall expenses, largely to fund investments in new products, dragged GoDaddy's net income lower by 13% to $18.1 million.
The result overshadowed stronger-than-expected revenue and profit for the second quarter and a higher revenue forecast for the year as GoDaddy signed up more customers and earned more from each user.
The company had some 18 million customers overall at the end of the quarter, up 6.5% from a year earlier, thanks in part to its acquisition of European peer HEG last year.
Average revenue per user rose 10.2% to $142. The company says small businesses which start by choosing one GoDaddy service gradually sign up for others and help boost average revenue per user.
GoDaddy now expects annual revenue of between $2.65 billion and $2.66 billion, compared with $2.62 billion to $2.64 billion earlier.
Source :
https://cio.economictimes.indiatimes.com/news/internet/godaddys-q2-web-hosting-revenues-rise-14-to-244-6m-total-revenue-at-651-6m/65266277
Nutanix Announces Earnings Release Date and Conference Call Information for Fiscal Fourth Quarter and Fiscal Year 2018 Financial Results
Nutanix will host a conference call and earnings webcast beginning at 4:30 p.m. EDT/ 1:30 p.m. PDT on the same day to discuss the company’s financial results. Interested parties may access the conference call by dialing 1-833-227-5841 or 1-647-689-4068 and using the conference ID 7794736. The conference call will also be webcast live on the Nutanix Investor Relations website at ir.nutanix.com.
Shortly after the conclusion of the live earnings
call, a telephonic replay will be available for one week by calling
1-800-585-8367 or 1-416-621-4642, and entering the conference ID
7794736. An archived replay of the webcast will be available on the
Nutanix Investor Relations website at ir.nutanix.com.
About Nutanix
Nutanix is a global leader in cloud software and
hyperconverged infrastructure solutions, making infrastructure invisible
so that IT can focus on the applications and services that power their
business. Companies around the world use Nutanix Enterprise Cloud OS
software to bring one-click application management and mobility across
public, private and distributed edge clouds so they can run any
application at any scale with a dramatically lower total cost of
ownership. The result is organizations that can rapidly deliver a
high-performance IT environment on demand, giving application owners a
true cloud-like experience. Learn more at www.nutanix.com or follow us on Twitter @nutanix.
© 2018 Nutanix, Inc. All rights reserved.
Nutanix, the Nutanix logo and the other Nutanix products and features
mentioned herein are registered trademarks or trademarks of Nutanix,
Inc. in the United States and other countries.
View source version on businesswire.com:https://www.businesswire.com/news/home/20180807005104/en/
CONTACT: Nutanix
Investor Contact
Tonya Chin, 408-560-2675
Vice President, Corporate Communications and Investor Relations
KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA
INDUSTRY KEYWORD: TECHNOLOGY HARDWARE INTERNET NETWORKS SOFTWARE
SOURCE: Nutanix
Copyright Business Wire 2018.
PUB: 08/07/2018 04:03 PM/DISC: 08/07/2018 04:03 PM
Copyright Business Wire 2018.
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Source : https://www.oaoa.com/news/business/article_b7a61d35-f06e-5d4f-9208-e6f6b53033c2.html
Expect These 7 Student Loan Changes In 2018
Author:
Source: https://www.nalaiyaseithi.com
There are some big changes on the horizon that could impact your student loans.
Here are 7 student loan changes to watch for and what you need to know:
1. Student Loan Forgiveness
There is no guarantee that student loan forgiveness will continue in its current form, or at all.
While student loan forgiveness may benefit borrowers, the federal
government essentially pays for student loan forgiveness. That means
taxpayers may be at risk for forgiving student loans
Current participants in Public Service Loan Forgiveness (10 years to
student loan forgiveness) or income-based repayment programs (20 to 25
years for student loan forgiveness) may be expected to be safe for
student loan forgiveness, but the future of student loan forgiveness may
change.
What It Means For You: While student loan forgiveness may end, student loan forgiveness may not be worth it to student loan borrowers in the long run. You may be able to pay off student loans faster or refinance student loans to save money.
MORE FROM FORBES
2. Student Loan Repayment
In 2016, President Trump proposed to combine the existing
income-driven repayment plans - such as Pay As You Earn (PAYE) and
Revised Pay As You Earn (REPAYE) - into a single plan to make it less
confusing for borrowers.
Make sure you understand the difference between student loan consolidation and student loan refinance.
What It Means For You: Remember, federal
student loan repayment plans are only for your federal student loans. If
you have private student loans - and most people do - you need an
action plan to pay off your private student loans too.
3. Variable Rate Student Loan vs. Fixed Rate Student Loan
Student loan rates are increasing.
When you borrow or refinance your student loans, you have a choice
between a fixed interest rate and a variable interest rate. There are
advantages and disadvantages to each choice.
This year, the Federal Reserve says it will raise interest rates four
times this year. Each time interest rates increase, you may pay more
for your student loans if you have a variable interest rate student
loan.
While this is good news for savers in the form of higher yielding
savings accounts, higher interest rates adversely affect consumer
borrowers with variable interest rate loans such as student loans (as
well as credit card and mortgage debt) in the form of higher interest
costs.
If you borrow a new student loan, you should consider a fixed interest rate student loan.
What It Means For You: If you currently have a variable interest rate student loan, you can refinance student loans and convert variable interest rate student loans to a fixed interest rate student loan.
4. Increased Role of Private Sector & Banks
President Trump wants to increase the role of the private sector -
particularly private lenders such as banks - in the issuance of federal
student loans. Why? Trump believes that the federal government generates
too much "profit" from issuing student loans, and wants private sector
lenders to participate in federal student loan origination.
What It Means For You: How can student loan
borrowers benefit from banks and other financial services companies
increasing their participation in student loan origination? There may be
several benefits, but prospective student loan borrowers would, at a
minimum, be looking for lower student loan interest rates, better
customer service and a more simple student loan application process.
5. Colleges & Universities: Financial Responsibility For Student Loans?
The high cost of tuition at many colleges and universities has led
students to borrow more to fund the cost of their education. Financial
aid, scholarships and other financial support help offset the cost of
higher education. However, Trump called on colleges and universities
with large endowments to help lower the cost of tuition, or face
potential loss of tax exempt status.
What It Means For You: Will there be
increased risk sharing and financial responsibility between the federal
government and colleges and universities? Currently, there is a mismatch
in risk sharing and financial responsibility: colleges and universities
set tuition rates, but the federal government assumes all default risk
on federal student loans. If the proposal is implemented, tuition rates
could decrease and therefore students would borrow less debt.
6. Proposed Legislation
Over the past year, there have been multiple legislative bills
proposed in Congress to help alleviate the student loan debt burden.
According to the latest student loan statistics from Make Lemonade, more
than 44 million Americans owe $1.5 trillion in student loan debt.
Student loan borrowers are even asking whether their student loan debt
can impact their ability to buy a home.
Here is a rundown of some of these bills:
- Reauthorization of the Higher Education Act: the primary law that governs higher education, including student loans, which is reauthorized every five years
- Private Student Loan Bankruptcy Fairness Act: would allow private student loans to be discharged in bankruptcy
- Parent PLUS Improvement Act: makes changes to Parent PLUS Loans.
- Various Employer-Sponsored Student Loan Repayment Plans: proposals to create incentives for employers to help their employees repay their student loan debt
- Strengthening Communities Act: would provide free tuition at community colleges for two years and other tuition reductions
- REDI Act: would provide interest-free deferment on federal student loans for doctors with medical school debt while in a residency program.
What It Means For You: There are multiple legislative bills in various stages in Congress. Stay tuned.
7. New Student Loan Rates
The interest rates for federal student loans are determined by
federal law. Interest rates reset every July 1 and run for one year
until June 30. All federal student loans are fixed interest rates loans
(although you can refinance student loans to receive a fixed interest rate).
What It Means For You: While these new
student loan interest rates affect new borrowers, your variable rate
student loans may reset monthly so pay attention to your interest rate.
