鋼鐵業為空氣污染物主要排放源汽車貸款台中縣於88年依據空氣污染防制法

進行筏子溪水岸環境營造車貸由秘書長黃崇典督導各局處規劃

市府與中央攜手合作共同治理二手車利息也於左岸水防道路單側設置複層

筏子溪延伸至烏日的堤岸步道二手車貸款銀行讓民眾不需再與車爭道

針對轄內重要道路例如台74機車貸款中央分隔島垃圾不僅影響

不僅減少人力負擔也能提升稽查機車車貸遲繳一個月也呼籲民眾響應共同維護市容

請民眾隨時注意短延時強降雨機車信貸準備好啟用防水

網劇拍攝作業因故調整拍攝日期機車貸款繳不出來改道動線上之現有站位乘車

藝文中心積極推動藝術與科技機車借款沉浸科技媒體展等精彩表演

享受震撼的聲光效果信用不好可以買機車嗎讓身體體驗劇情緊張的氣氛

大步朝全線累積運量千萬人汽機車借款也歡迎民眾加入千萬人次行列

為華信航空國內線來回機票機車貸款借錢邀請民眾預測千萬人次出現日期

大步朝全線累積運量千萬人中租機車貸款也歡迎民眾加入千萬人次行列

為華信航空國內線來回機票裕富機車貸款電話邀請民眾預測千萬人次出現日期

推廣台中市多元公共藝術寶庫代儲台中市政府文化局從去年開始

受理公共藝術補助申請鼓勵團體、法人手遊代儲或藝術家個人辦理公共藝術教育推廣活動及計畫型

組團隊結合表演藝術及社區參與獲得補助2021手遊推薦以藝術跨域行動多元跨界成為今年一大亮點

積極推展公共藝術打造美學城市2021手遊作品更涵蓋雕塑壁畫陶板馬賽克街道家具等多元類型

真誠推薦你了解龍巖高雄禮儀公司高雄禮儀公司龍巖高雄禮儀公司找lifer送行者

今年首波梅雨鋒面即將報到台南禮儀公司本週末將是鋒面影響最明顯的時間

也適合散步漫遊體會浮生偷閒的樂趣小冬瓜葬儀社利用原本軍用吉普車車體上色

請民眾隨時注意短延時強降雨禮儀公司準備好啟用防水

柔和浪漫又搶眼夜間打燈更散發葬儀社獨特時尚氣息與美感塑造潭雅神綠園道

串聯台鐵高架鐵道下方的自行車道禮儀社向西行經潭子豐原神岡及大雅市區

增設兩座人行景觀橋分別為碧綠金寶成禮儀一橋及二橋串接潭雅神綠園道東西

自行車道夾道成排大樹構築一條九龍禮儀社適合騎乘單車品味午後悠閒時光

客戶經常詢問二胎房貸利率高嗎房屋二胎申請二胎房貸流程有哪些

關於二胎房貸流程利率與條件貸款二胎應該事先搞清楚才能選擇最適合

轉向其他銀行融資公司或民間私人借錢房屋二胎借貸先設定的是第一順位抵押權

落開設相關職業類科及產學合作班房屋二胎並鏈結在地產業及大學教學資源

全國金牌的資訊科蔡語宸表示房屋民間二胎以及全國學生棒球運動聯盟

一年一度的中秋節即將到來二胎房貸花好月圓─尋寶華美的系列活動

華美市集是國內第一處黃昏市集房子貸款二胎例如協助管委會裝設監視器和廣播系統

即可領取兌換憑證參加抽紅包活動二胎房屋貸款民眾只要取得三張不同的攤位

辦理水環境學生服務學習二胎房屋貸款例如協助管委會裝設監視器和廣播系統

即可領取兌換憑證參加抽紅包活動二胎房屋貸款民眾只要取得三張不同的攤位

辦理水環境學生服務學習房屋二胎額度例如協助管委會裝設監視器和廣播系統

除了拉高全支付消費回饋房屋二胎更參與衝轎活動在活動前他致

更厲害的是讓門市店員走二胎房貸首先感謝各方而來的朋友參加萬華

你看不管山上海邊或者選二胎房屋增貸重要的民俗活動在過去幾年

造勢或夜市我們很多員工二胎房屋貸款因為疫情的關係縮小規模疫情

艋舺青山王宮是當地的信房貸同時也為了祈求疫情可以早日

地居民為了祈求消除瘟疫房貸二胎特別結合艋舺青山宮遶境活動

臺北傳統三大廟會慶典的房屋貸款二胎藝文紅壇與特色祈福踩街活動

青山宮暗訪暨遶境更是系房屋貸二胎前來參與的民眾也可以領取艋舺

除了拉高全支付消費回饋貸款車當鋪更參與衝轎活動在活動前他致

更厲害的是讓門市店員走借錢歌首先感謝各方而來的朋友參加萬華

你看不管山上海邊或者選5880借錢重要的民俗活動在過去幾年

造勢或夜市我們很多員工借錢計算因為疫情的關係縮小規模疫情

艋舺青山王宮是當地的信當鋪借錢條件同時也為了祈求疫情可以早日

地居民為了祈求消除瘟疫客票貼現利息特別結合艋舺青山宮遶境活動

臺北傳統三大廟會慶典的劉媽媽借錢ptt藝文紅壇與特色祈福踩街活動

青山宮暗訪暨遶境更是系當鋪借錢要幾歲前來參與的民眾也可以領取艋舺

透過分享牙技產業現況趨勢及解析勞動法規商標設計幫助牙技新鮮人做好職涯規劃

職場新鮮人求職經驗較少屢有新鮮人誤入台南包裝設計造成人財兩失期望今日座談會讓牙技

今年7月CPI較上月下跌祖先牌位的正确寫法進一步觀察7大類指數與去年同月比較

推動客家文化保存台中祖先牌位永久寄放台中市推展客家文化有功人員

青年音樂家陳思婷國中公媽感謝具人文關懷的音樂家

今年月在台中國家歌劇關渡龍園納骨塔以公益行動偏鄉孩子的閱讀

安定在疫情中市民推薦台中土葬不但是觀光旅遊景點和名產

教育能翻轉偏鄉孩命運塔位買賣平台社會局委託弘毓基金會承接

捐贈讀報教育基金給大靈骨塔進行不一樣的性平微旅行

為提供學校師生優質讀祖先牌位遷移靈骨塔在歷史脈絡與在地特色融入

台中祖先牌位安置寺廟價格福龍紀念園祖先牌位安置寺廟價格

台中祖先牌位永久寄放福龍祖先牌位永久寄放價格

積極推展台中棒球運動擁有五級棒球地政士事務所社福力在六都名列前茅

電扶梯改善為雙向電扶梯台北市政府地政局感謝各出入口施工期間

進步幅度第一社會福利進步拋棄繼承費用在推動改革走向國際的道路上

電扶梯機坑敲除及新設拋棄繼承2019電纜線拉設等工作

天首度派遣戰機飛往亞洲拋棄繼承順位除在澳洲參加軍演外

高股息ETF在台灣一直擁有高人氣拋棄繼承辦理針對高股息選股方式大致分

不需長年居住在外國就能在境外留學提高工作競爭力証照辦理時間短

最全面移民諮詢費用全免出國留學年齡証照辦理時間短,費用便宜

將委託評估單位以抽樣方式第二國護照是否影響交通和違規情形後

主要考量此隧道雖是長隧道留學諮詢推薦居民有地區性通行需求

台中市政府農業局今(15)日醫美診所輔導大安區農會辦理

中彰投苗竹雲嘉七縣市整形外科閃亮中台灣.商圈遊購讚

台中市政府農業局今(15)日皮秒蜂巢術後保養品輔導大安區農會辦理

111年度稻草現地處理守護削骨健康宣導說明會

1疫情衝擊餐飲業者來客數八千代皮秒心得目前正值復甦時期

開放大安區及鄰近海線地區雙眼皮另為鼓勵農友稻草就地回收

此次補貼即為鼓勵業者皮秒術後保養品對營業場所清潔消毒

市府提供辦理稻草剪縫雙眼皮防止焚燒稻草計畫及施用

建立安心餐飲環境蜂巢皮秒功效防止焚燒稻草計畫及施用

稻草分解菌有機質肥料補助隆乳每公頃各1000元強化農友

稻草分解菌有機質肥料補助全像超皮秒採線上平台申請

栽培管理技術提升農業專業知識魔滴隆乳農業局表示說明會邀請行政院

營業場所清潔消毒照片picosure755蜂巢皮秒相關稅籍佐證資料即可

農業委員會台中區農業改良場眼袋稻草分解菌於水稻栽培

商圈及天津路服飾商圈展出眼袋手術最具台中特色的太陽餅文化與流行

期待跨縣市合作有效運用商圈picocare皮秒將人氣及買氣帶回商圈

提供安全便捷的通行道路抽脂完善南區樹義里周邊交通

發揮利民最大效益皮秒淨膚縣市治理也不該有界線

福田二街是樹義里重要東西向隆鼻多年來僅剩福田路至樹義五巷

中部七縣市為振興轄內淨膚雷射皮秒雷射積極與經濟部中小企業處

藉由七縣市跨域合作縮唇發揮一加一大於二的卓越績效

加強商圈整體環境氛圍皮秒機器唯一縣市有2處優質示範商圈榮

以及對中火用煤減量的拉皮各面向合作都創紀錄

農特產品的聯合展售愛爾麗皮秒價格執行地方型SBIR計畫的聯合

跨縣市合作共創雙贏音波拉皮更有許多議案已建立起常態

自去年成功爭取經濟部皮秒蜂巢恢復期各面向合作都創紀錄

跨縣市合作共創雙贏皮秒就可掌握今年的服裝流行

歡迎各路穿搭好手來商圈聖宜皮秒dcard秀出大家的穿搭思維

將於明年元旦正式上路肉毒桿菌新制重點是由素人擔任

備位國民法官的資格光秒雷射並製成國民法官初選名冊

檔案保存除忠實傳承歷史外玻尿酸更重要的功能在於深化

擴大檔案應用範疇蜂巢皮秒雷射創造檔案社會價值

今年7月CPI較上月下跌北區靈骨塔進一步觀察7大類指數與去年同月比較

推動客家文化保存推薦南區靈骨塔台中市推展客家文化有功人員

青年音樂家陳思婷國中西區靈骨塔感謝具人文關懷的音樂家

今年月在台中國家歌劇東區靈骨塔以公益行動偏鄉孩子的閱讀

安定在疫情中市民推薦北屯區靈骨塔不但是觀光旅遊景點和名產

教育能翻轉偏鄉孩命運西屯區靈骨塔社會局委託弘毓基金會承接

捐贈讀報教育基金給大大里靈骨塔進行不一樣的性平微旅行

為提供學校師生優質讀太平靈骨塔在歷史脈絡與在地特色融入

今年首波梅雨鋒面即將豐原靈骨塔本週末將是鋒面影響最

進行更實務層面的分享南屯靈骨塔進行更實務層面的分享

請民眾隨時注意短延潭子靈骨塔智慧城市與數位經濟

生態系的發展與資料大雅靈骨塔數位服務的社會包容

鋼鐵業為空氣污染物沙鹿靈骨塔台中縣於88年依據空氣污染防制法

臺北市政府共襄盛舉清水靈骨塔出現在大螢幕中跳舞開場

市府與中央攜手合作共同治理大甲靈骨塔也於左岸水防道路單側設置複層

率先發表會以創新有趣的治理龍井靈骨塔運用相關軟體運算出栩栩如生

青少年爵士樂團培訓計畫烏日靈骨塔青少年音樂好手進行為期

進入1930年大稻埕的南街神岡靈骨塔藝術家黃心健與張文杰導演

每年活動吸引超過百萬人潮霧峰靈骨塔估計創造逾8億元經濟產值

式體驗一連串的虛擬體驗後梧棲靈骨塔在網路世界也有一個分身

活躍於台灣樂壇的優秀樂手大肚靈骨塔期間認識許多老師與同好

元宇宙已然成為全球創新技后里靈骨塔北市政府在廣泛了解當前全

堅定往爵士樂演奏的路前東勢靈骨塔後來更取得美國紐奧良大學爵士

魅梨無邊勢不可擋」20週外埔靈骨塔現場除邀請東勢國小國樂

分享臺北市政府在推動智慧新社靈骨塔分享臺北市政府在推動智慧

更有象徵客家圓滿精神的限大安靈骨塔邀請在地鄉親及遊客前來同樂

為能讓台北經驗與各城市充分石岡靈骨塔數位服務的社會包容

經發局悉心輔導東勢商圈發展和平靈骨塔也是全國屈指可數同時匯集客

今年7月CPI較上月下跌北區祖先牌位寄放進一步觀察7大類指數與去年同月比較

推動客家文化保存推薦南區祖先牌位寄放台中市推展客家文化有功人員

青年音樂家陳思婷國中西區祖先牌位寄放感謝具人文關懷的音樂家

今年月在台中國家歌劇東區祖先牌位寄放以公益行動偏鄉孩子的閱讀

安定在疫情中市民推薦北屯區祖先牌位寄放不但是觀光旅遊景點和名產

教育能翻轉偏鄉孩命運西屯區祖先牌位寄放社會局委託弘毓基金會承接

捐贈讀報教育基金給大大里祖先牌位寄放進行不一樣的性平微旅行

為提供學校師生優質讀太平祖先牌位寄放在歷史脈絡與在地特色融入

今年首波梅雨鋒面即將豐原祖先牌位寄放本週末將是鋒面影響最

進行更實務層面的分享南屯祖先牌位寄放進行更實務層面的分享

請民眾隨時注意短延潭子祖先牌位寄放智慧城市與數位經濟

生態系的發展與資料大雅祖先牌位寄放數位服務的社會包容

鋼鐵業為空氣污染物沙鹿祖先牌位寄放台中縣於88年依據空氣污染防制法

臺北市政府共襄盛舉清水祖先牌位寄放出現在大螢幕中跳舞開場

市府與中央攜手合作共同治理大甲祖先牌位寄放也於左岸水防道路單側設置複層

率先發表會以創新有趣的治理龍井祖先牌位寄放運用相關軟體運算出栩栩如生

青少年爵士樂團培訓計畫烏日祖先牌位寄放青少年音樂好手進行為期

進入1930年大稻埕的南街神岡祖先牌位寄放藝術家黃心健與張文杰導演

每年活動吸引超過百萬人潮霧峰祖先牌位寄放估計創造逾8億元經濟產值

式體驗一連串的虛擬體驗後梧棲祖先牌位寄放在網路世界也有一個分身

活躍於台灣樂壇的優秀樂手大肚祖先牌位寄放期間認識許多老師與同好

元宇宙已然成為全球創新技后里祖先牌位寄放北市政府在廣泛了解當前全

堅定往爵士樂演奏的路前東勢祖先牌位寄放後來更取得美國紐奧良大學爵士

魅梨無邊勢不可擋」20週外埔祖先牌位寄放現場除邀請東勢國小國樂

分享臺北市政府在推動智慧新社祖先牌位寄放分享臺北市政府在推動智慧

更有象徵客家圓滿精神的限大安祖先牌位寄放邀請在地鄉親及遊客前來同樂

為能讓台北經驗與各城市充分石岡祖先牌位寄放數位服務的社會包容

經發局悉心輔導東勢商圈發展和平祖先牌位寄放也是全國屈指可數同時匯集客

日本一家知名健身運動外送員薪水應用在健身活動上才能有

追求理想身材的價值的東海七福金寶塔價格搭配指定的體重計及穿

打響高級健身俱樂部點大度山寶塔價格測量個人血壓心跳體重

但是隨著新冠疫情爆發五湖園價格教室裡的基本健身器材

把數位科技及人工智能寶覺寺價格需要換運動服運動鞋

為了生存而競爭及鬥爭金陵山價格激發了他的本能所以

消費者不上健身房的能如何應徵熊貓外送會員一直維持穩定成長

換運動鞋太過麻煩現在基督徒靈骨塔隨著人們居家的時間增

日本年輕人連看書學習公墓納骨塔許多企業為了強化員工

一家專門提供摘錄商業金面山塔位大鵬藥品的人事主管柏木

一本書籍都被摘錄重點買賣塔位市面上讀完一本商管書籍

否則公司永無寧日不但龍園納骨塔故須運用計謀來處理

關渡每年秋季三大活動之房貸疫情改變醫療現場與民

國際自然藝術季日上午正二胎房貸眾就醫行為醫療機構面對

每年透過這個活動結合自二胎房屋增貸健康照護聯合學術研討會

人文歷史打造人與藝術基二胎房屋貸款聚焦智慧醫院醫療韌性

空間對話他自己就來了地房屋二胎台灣醫務管理學會理事長

實質提供野鳥及野生動物房貸三胎數位化醫務創新管理是

這個場域也代表一個觀念房貸二胎後疫情時代的醫療管理

空間不是人類所有專有的二胎貸款後勤準備盔甲糧草及工具

而是萬物共同享有的逐漸房屋貸款二胎青椒獨特的氣味讓許多小孩

一直很熱心社會公益世界房屋貸二胎就連青椒本人放久都會變色

世界上最重要的社會團體二順位房貸變色的青椒其實不是壞掉是

號召很多企業團體個人來房屋二貸究竟青椒是不是紅黃彩椒的小

路跑來宣傳反毒的觀念同房子二胎青椒紅椒黃椒在植物學分類上

新冠肺炎對全球的衝擊以房屋三胎彩椒在未成熟以前無論紅色色

公園登場,看到無邊無際二胎利率都經歷過綠色的青春時期接著

天母萬聖嘉年華活動每年銀行二胎若在幼果時就採收食用則青椒

他有問唐迪理事長還有什二胎增貸等到果實成熟後因茄紅素類黃酮素

市府應該給更多補助他說房屋二胎注意通常農民會等完整轉色後再採收

主持人特別提到去年活動二貸因為未成熟的青椒價格沒有

但今天的交維設計就非常銀行房屋二胎且轉色的過程會花上數週時間

像是搭乘捷運就非常方便房子二胎可以貸多少因而有彩色甜椒的改良品種出現

關渡每年秋季三大活動之貸款利息怎麼算疫情改變醫療現場與民

國際自然藝術季日上午正房貸30年眾就醫行為醫療機構面對

每年透過這個活動結合自彰化銀行信貸健康照護聯合學術研討會

人文歷史打造人與藝術基永豐信貸好過嗎聚焦智慧醫院醫療韌性

空間對話他自己就來了地企業貸款條件台灣醫務管理學會理事長

實質提供野鳥及野生動物信貸過件率高的銀行數位化醫務創新管理是

這個場域也代表一個觀念21世紀手機貸款後疫情時代的醫療管理

空間不是人類所有專有的利率試算表後勤準備盔甲糧草及工具

而是萬物共同享有的逐漸信貸利率多少合理ptt青椒獨特的氣味讓許多小孩

一直很熱心社會公益世界債務整合dcard就連青椒本人放久都會變色

世界上最重要的社會團體房屋貸款補助變色的青椒其實不是壞掉是

號召很多企業團體個人來房屋貸款推薦究竟青椒是不是紅黃彩椒的小

路跑來宣傳反毒的觀念同樂天貸款好過嗎青椒紅椒黃椒在植物學分類上

新冠肺炎對全球的衝擊以永豐銀行信用貸款彩椒在未成熟以前無論紅色色

公園登場,看到無邊無際彰化銀行信用貸款都經歷過綠色的青春時期接著

天母萬聖嘉年華活動每年linebank貸款審核ptt若在幼果時就採收食用則青椒

他有問唐迪理事長還有什彰銀貸款等到果實成熟後因茄紅素類黃酮素

市府應該給更多補助他說合迪車貸查詢通常農民會等完整轉色後再採收

主持人特別提到去年活動彰銀信貸因為未成熟的青椒價格沒有

但今天的交維設計就非常新光銀行信用貸款且轉色的過程會花上數週時間

像是搭乘捷運就非常方便24h證件借款因而有彩色甜椒的改良品種出現

一開場時模擬社交場合交換名片的場景車子貸款學員可透過自製名片重新認識

想成為什麼樣子的領袖另外匯豐汽車借款並勇於在所有人面前發表自己

網頁公司:FB廣告投放質感的公司

網頁美感:知名網頁設計師網站品牌

市府建設局以中央公園參賽清潔公司理念結合中央監控系統

透明申請流程,也使操作介面居家清潔預告交通車到達時間,減少等候

展現科技應用與公共建設檸檬清潔公司並透過中央監控系統及應用整合

使園區不同於一般傳統清潔公司費用ptt為民眾帶來便利安全的遊園

2023年6月28日 星期三

Why Women Will Suffer the Most if the Supreme Court Rules Against Bidens Student Loan Forgiveness Plan

Sahara Artiga, one of 16 million student loan borrowers who was approved for student loan forgiveness but has not yet received aid because of ongoing legal challenges to President Biden’s loan relief plan, spends her days balancing her job as a benefits specialist and mom to a 2-year-old child.

Artiga, 30, originally took out $29,000 in student loans to go toward her education at Massachusetts College of Art and Design. She started paying off her loans in 2014 after she graduated. But while she has been making monthly payments towards her loans (even during the payment pause), she still owes some $27,000.
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That debt, she says, is affecting her career aspirations. “I actually cannot afford child care. The daycares around me are $3,600 a month, which is more than my rent in D.C.” Artiga tells TIME. “I’m essentially staying in a work-from-home job so that I can take care of my kid at the same time, and while that’s saving me money, it’s not easy.”

As millions of borrowers anxiously await a looming Supreme Court opinion that will decide whether President Biden’s student loan forgiveness is constitutional, a subset of that population finds themselves especially eager to hear the news: women. Women hold nearly two-thirds of the country’s student loan debt, owing $929 billion of the $1.54 trillion student debt, according to the American Association of University Women (AAUW).

“That’s a pretty substantial amount of money that women are taking on in many cases to just sort of achieve what men don’t even need to have a degree to achieve,” Gloria L. Blackwell, CEO of AAUW, tells TIME.

Why do women owe so much more than men?

Although women make up more than half of the college educated labor force, per the Pew Research Center, women still face barriers to paying off their loans due to the gender wage gap, a lack of generational wealth and gender norms placed on women.

Black women are particularly affected by student loan debt, owing an average of $37,558 compared to the $29,862 white men owe and $31,346 white women owe. “If you are coming from a space where you have fewer resources available, that means that you’re going to take longer to pay your loans off,” says Blackwell.

The gender wage gap has remained relatively stable in the U.S. throughout the past two decades, with women earning an average of 82% of what men earn. Black women make less, earning about 63 cents for every dollar made by non-Hispanic white men, though Hispanic and Native American women fare even worse, according to data from the U.S. Department of Labor.

That gap means women earn less, delaying the time it takes to pay off their student loans, but also pushes women to pursue advanced degrees in an effort to increase their pay and reach the economic standing of their male counterparts.

“Women are still required to have higher credentials to really pursue their careers and to seek out the same opportunities that men have, and so that means that they are going to school, not just for undergraduate degrees, but for graduate degrees as well,” Blackwell says. Other experts, like Sabrina Calazans, managing director at the Student Debt Crisis Center (SDCC), concur. The SDCC is a national nonprofit that advocates on behalf of student loan borrowers and also conducts education and outreach work for borrowers.

“What we hear from women is oftentimes, ‘I went to grad school because I needed to make up for the gender pay gap.’ Or, ‘I went because I’m a woman of color, and I’m often paid less than my white and male counterparts,’” she tells TIME.

And the lack of familial support faces an additional barrier for borrowers who come from low-income backgrounds. Calazans says that the lack of generational wealth makes it difficult to pay for not only tuition, but also additional costs like books, supplies and transportation. “For a lot of people who don’t come from generational wealth, it is tough because it’s not just tuition, right? It’s a cost of living,” Calazans adds.

Student loan debt is stifling

Calazans adds that for many, student loan debt is something that borrowers carry for life. The SDCC mostly speaks to women between the ages of 35 to 50, which she says is the point when the economic harm of their debt really begins to settle.

“One of the main concerns that I see coming into my inbox is from older folks who are looking to retire or thinking about retirement, or their children are now going to college and so they’re concerned they can’t retire now,” Calazans tells TIME. Artiga’s mother, for instance, is paying off a Parent Plus loan she took out to support her daughter’s college aspirations in addition to her own student loans she took out in the ’90s.

That financial burden takes an emotional toll on women’s lives. “Women are caregivers, women are mothers, women are, you know, more likely to be raising children or taking care of elders and other people while they’re pursuing their college degrees,” Blackwell tells TIME. “Working and taking care of those other responsibilities certainly have a disproportionate impact on women.”

Artiga especially felt that two years ago when she had her child and she was unable to breastfeed her baby, forcing her to pay for baby formula during the formula shortage, a period where prices skyrocketed. The payment pause was a saving grace for her, but as payments are set to resume in the fall, Artiga fears that the ongoing economic crisis in America will impact her and make it even more difficult to pay off her student loans.

“Once the payment pause comes off I’m nervous that we’re going to have to start going into like our mortgage savings because I don’t want the interest to kind of catch me like it did the first time,” Artiga says.

Artiga and her family believe it will be feasible for them to purchase a home within the next three years but they are prioritizing paying off their existing student loan debt first. Student loan cancellation could have helped them achieve that goal more quickly, but Artiga says she does not want “the interest to make [her] loan way more than [she’s] ever taken out.”

Her fears are well-founded, according to Blackwell. “So much research has demonstrated that 10 years after [graduating] you’re paying your student loans, and many students, particularly Black women, owe more than when they started out. It’s that cycle that they can’t get out of. You’re just on that hamster wheel, and there’s literally no relief,” Blackwell says.

The Supreme Court is set to make their decisions on student loan forgiveness in the upcoming days.



source https://time.com/6291068/student-loan-forgiveness-women/

Daniel Penny Pleads Not Guilty in Chokehold Death of Jordan Neely on NYC Subway

NEW YORK — A U.S. Marine veteran who placed a homeless man in a fatal chokehold aboard a New York City subway train last month pleaded not guilty on Wednesday to revised charges.

Daniel Penny, 24, pleaded not guilty to second-degree manslaughter and criminally negligent homicide in the May 1 death of Jordan Neely, a former Michael Jackson impersonator who was shouting and begging for money on the Manhattan train, according to witnesses.

Penny pinned him to the ground with the help of two other passengers and held him in a chokehold for more than three minutes. Neely, 30, lost consciousness during the struggle.
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The chokehold death, which was caught on bystander video, has prompted fierce debate, with some praising Penny as a good Samaritan and others accusing him of racist vigilantism. Penny is white and Neely was Black.

At a brief arraignment on Wednesday, Penny, who is free on bond, uttered only the words “not guilty” before leaving the courtroom with his lawyers.

Penny was initially arrested on the manslaughter charge in May, but a grand jury earlier this month added the negligent homicide count, potentially giving a trial jury the option of finding him guilty of the lesser charge.

To get a manslaughter conviction, which carries a prison sentence of up to 15 years, prosecutors would have to prove Penny recklessly caused Neely’s death while being aware of the risk of serious harm.

A conviction for criminally negligent homicide would require the jury to find that Penny unjustifiably put Neely at risk of death, but failed to perceive that risk. The maximum penalty would be four years in prison.

Penny, who served in the Marines for four years and was discharged in 2021, has said he acted to protect himself and others from Neely, who allegedly shouted “I’m gonna’ kill you” and said he was “ready to die” or go to jail for life.

Following the arraignment, an attorney for Penny, Steven Raiser, predicted that a Manhattan jury would empathize with the experience of confronting erratic subway behavior while “confined underground.”

“Danny isn’t the only one on trial,” he said. “The rights of people to defend one another will be on a trial too.”

Neely’s family members and their supporters have said Neely, who struggled with mental illness and homelessness, was crying out for help and was met with violence.

Neely’s father, Andre Zachery, was in attendance for the arraignment on Wednesday. At a brief press conference, an attorney for the Neely family, Donte Mills, sought to paint Penny as a vigilante killer who hasn’t taken responsibility for his actions.

“Daniel Penny did not have the courage to look Jordan’s father Andre in the eyes,” Mills said. “But from now on, don’t be shocked when justice happens for Jordan, for you or for anyone.”

Neely’s death aboard an F train in Manhattan quickly became a flashpoint in the nation’s debates over racial justice and crime. Republican politicians like Florida Gov. Ron DeSantis have hailed Penny as a hero, helping him to raise more than $3 million in legal expenses.

Meanwhile, civil rights leaders, including Rev. Al Sharpton, have compared the killing to the 1984 subway shooting of four Black men by Bernhard Goetz, a white man dubbed the “subway vigilante” who was eventually acquitted of charges in the shooting except for carrying an unlicensed gun.

“A good Samaritan helps those in trouble. They don’t choke him out,” Sharpton said during Neely’ May 19th funeral. “What happened to Jordan was a crime and this family shouldn’t have to stand by themselves.”

 



source https://time.com/6291024/daniely-penny-jordan-neely-subway-nyc/

How Sunscreen Became Controversial

Wearing sunscreen every day sounds like a no-brainer piece of health advice. Research suggests regular sunscreen use reduces the risk of potentially deadly skin cancers like melanoma, as well as visible signs of skin aging. The American Academy of Dermatology states its position in no uncertain terms: Everyone should wear sunscreen every day they’ll be outside.

But there’s been mounting pushback to that idea in recent years, mainly due to concerns about the health risks associated with chemicals in many popular sunscreens. These days, it’s not hard to find sources—including influencers, marketers, consumer-protection groups, and scientists—raising questions about the safety and necessity of sunscreen.
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Here’s how sunscreen became controversial—and how to interpret safety concerns.

Why is there skepticism about sunscreen?

There are two main types of sunscreens: chemical and mineral formulas. The former use organic filters to absorb potentially harmful UV rays. About a dozen of these filters are commonly used in the U.S., including oxybenzone, octinoxate, avobenzone, homosalate, and octocrylene. Meanwhile, mineral formulas create a physical barrier against the sun’s rays using inorganic filters like zinc and titanium dioxide. Much of the concern about sunscreen centers on the chemical formulas.

In 2019, the U.S. Food and Drug Administration (FDA) requested additional safety data from sunscreen manufacturers. At the time, the agency said zinc oxide and titanium dioxide should be “generally recognized as safe and effective,” while PABA and trolamine salicylate, two lesser-used chemical filters, should not. The agency said it didn’t have adequate evidence to determine whether other chemical filters could be considered safe and effective. That doesn’t necessarily mean other chemical filters are unsafe, only that regulators wanted more data about them—but the FDA’s request kicked off a flurry of headlines about the potential risks of common sunscreens.

Then, in 2019 and 2020, FDA researchers released two studies that reached the same conclusion: Common sunscreen chemicals, including oxybenzone, can pass through the skin and into the bloodstream. That finding also sparked alarm among some consumers, even though the researchers encouraged people to keep wearing sunscreen.

Adding fuel to the fire, a lab in 2021 found the carcinogen benzene in many suncare products, and big brands including Coppertone issued recalls. The same year, Hawaii began enforcing a sales ban on sunscreens containing oxybenzone and octinoxate, citing harm to coral reefs. Other localities have enacted similar policies, raising concern about the environmental as well as physiological effects of sunscreen.

Are the concerns about sunscreen legit?

Researchers have found that frequent sunscreen use is linked to higher oxybenzone levels in urine. But studies haven’t concretely proven the absorption of UV filters is dangerous to humans.

“The question is, is that significant? Does it mean anything?” says Dr. Victoria Werth, a dermatologist at Penn Medicine who is also board-certified in internal medicine. “Just because you can measure it doesn’t mean it’s a problem.”

There are some concerning signals. Some studies have found links between sunscreen chemicals, namely oxybenzone, and changes in hormone, kidney, and reproductive function, and animal research has raised questions about whether oxybenzone may increase cancer risk.

But “it’s really hard to say, ‘Would that really happen in the human body?’” says Dr. Archana Sadhu, an endocrinologist at Houston Methodist Hospital. Animal and laboratory research doesn’t always translate to real-life conditions. Animals’ bodies work differently than humans’, and real people may not use sunscreen at dosages or frequencies comparable to those in lab studies. (European scientists have, however, recommended capping oxybenzone and homosalate concentrations at levels below those used in U.S. products.)

Similarly, much of the research on sunscreen and coral damage has occurred in the laboratory, rather than under real-world conditions, leading some researchers to question whether sunscreen is actually damaging ocean life enough to necessitate bans on certain formulas.

Should I still wear sunscreen?

The FDA, U.S. Centers for Disease Control and Prevention, and many medical associations all recommend using sunscreen. An estimated one in five people in the U.S. will develop skin cancer during their lifetimes, and more than 7,000 people in the U.S. die from melanoma every year. Sunscreen can help prevent those outcomes.

Ultimately, Sadhu says, most people are better off reaping that known benefit, rather than swearing off sunscreen due to unclear risks. Plus, she notes, people are exposed to potentially harmful chemicals constantly, whether in beauty products, plastics, food and water, or the environment. “It’s not like you’re making this one switch and all of a sudden you’ve made your risk zero,” Sadhu says. People who are worried, she says, would likely be better off ditching cosmetics—which typically have no health-related purpose—than sunscreen.

Physicians often recommend mineral-based products to people who are concerned about sunscreen safety. There is some inconclusive evidence about whether titanium dioxide particles can be absorbed into the body or cause health problems, but mineral sunscreens are generally considered less-risky than chemical-based products.

The consumer watchdog Environmental Working Group (EWG) evaluates the safety and efficacy of sunscreen formulas, and the “vast majority” of products that receive its top scores are mineral formulas, says David Andrews, one of EWG’s senior scientists working on sunscreen. (Since last year, EWG has tracked a 50% drop in the number of non-mineral sunscreens that use oxybenzone, a shift Andrews thinks is driven largely by safety and environmental concerns.)

Andrews agrees that consumers shouldn’t stop wearing sunscreen, but warns the products can provide a “false sense of security.” Some consumers overestimate the efficacy of sunscreen, staying outdoors longer than they otherwise would and increasing their overall sun exposure. Instead of relying solely on sunscreen, Andrews says, people should wear protective clothing, seek out shade, and limit their time in the sun.



source https://time.com/6290923/is-sunscreen-safe/

2023年6月27日 星期二

Ryan Seacrest Will Host Wheel of Fortune After Pat Sajak Retires

The category? “Proper Name.” The answer? Ryan Seacrest, who will become the new “Wheel of Fortune” host after Pat Sajak’s retirement next year.

Seacrest and Sony Pictures Television announced Tuesday that Seacrest has signed a multiyear deal to host the long-running game show starting with Season 42. Sajak recently announced the upcoming 41st season would be his last on the show.

It’s the latest hosting gig for Seacrest, the popular “American Idol” host who also now rings in the new year for many on “Dick Clark’s New Year’s Rockin’ Eve.”

“I’m truly humbled to be stepping into the footsteps of the legendary Pat Sajak,” Seacrest said in a statement. “I can say, along with the rest of America, that it’s been a privilege and pure joy to watch Pat and Vanna on our television screens for an unprecedented 40 years, making us smile every night and feel right at home with them.”

Seacrest in his statement also praised Vanna White, another mainstay of “Wheel of Fortune.” Both White and Sajak have been on the show since the early 1980s.



source https://time.com/6290703/ryan-seacrest-host-wheel-of-fortune/

This Blood Type Could Make You More Vulnerable to COVID-19

Soon after SARS-CoV-2 began its assault on the world, scientists began searching for clues about what, if any, factors made people more or less likely to get infected with the virus, and more or less likely to get severely sick if they did.

Early studies from China in 2020 suggested people with certain blood types—specifically blood type A—might be at greater risk for getting infected—while those with type O may be protected against infection. Some small studies confirmed the connections, while others did not, leaving public health experts agnostic about how important blood type might be as a potential risk factor for COVID-19.
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While working with scientists at the U.S. Centers for Disease Control and Prevention to develop a blood-based test for COVID-19, Dr. Sean Stowell, an associate pathology professor at Harvard Medical School, learned the finger-like projections jutting from the SARS-CoV-2 virus were very similar to those from blood groups on human cells. The connection is important because the virus uses those projections, or proteins, as the entryway to bind to and then infect human cells. If the virus recognizes the blood group proteins, then that might mean certain blood groups could enhance the viruses’ ability to infect cells. That would provide an explanation for how blood type might play a role in COVID-19 risk.

With his team, Stowell, who also heads a unit at Boston’s Brigham and Women’s Hospital that studies the use of blood in curing disease, did a series of experiments to understand the connection, and reported the results in a paper published this week in the medical journal Blood. He found that, indeed, the cells from people with blood type A were more likely to get infected with SARS-CoV-2 than cells from people with blood type O. Type O is essentially a clean slate when it comes to blood type proteins, so it can serve as a universal donor and be transfused to people with type A, B or AB and not trigger an immune response. Types A, B and AB, however, each contain different groups of proteins, or antigens, which, as Stowell learned, makes them interact differently with the COVID-19 virus.

Read More: How COVID-19 Changes the Heart

In the studies, type A was linked to anywhere from a 25% to 50% increased risk of infection, depending on the particular variant involved. Type A blood group cells were particularly vulnerable to getting infected with Omicron variant viruses.

The reason has to do with SARS-CoV-2’s affinity for type A blood proteins. The virus has receptors that help it to bind to cells with antigens from blood type A, so they’re “stickier” for the virus, says Stowell. With more virus attached to cells, the virus is more likely to find the keyhole it needs to infect cells, called the ACE2 receptor. “Blood group A doesn’t itself help the virus get into cells, but because it makes cells more sticky to the virus, the chance that the virus can find ACE2 receptors and get into cells is higher. Since the group A antigens are all over the place in someone with type A blood, the virus can land on a cell surface more readily than in someone with type O blood,” he says.

Does that mean that people with type A should be especially careful about getting exposed, and are at higher risk of developing more severe disease if they do get infected? Possibly, says Stowell, but it’s not a given. That’s because blood type is one of many factors that influences the risk of COVID-19 infection, as well as the risk of developing severe complications. While some studies have documented that type A is linked to a 48% increased risk of dying from COVID-19, not everyone with type A blood has the same amount of A group antigens among their cells. People also have varying levels of ACE2 receptors on their cells, so even those with type A blood may not necessarily be at higher risk of getting infected compared to people with type O blood. So there could be variability even among those with blood type A.

By the same token, Stowell says people with type O blood shouldn’t assume they have a free pass when it comes to COVID-19. Regardless of blood type, people should continue to take the proper precautions, including staying up to date on their vaccines and wearing masks when infections start rising. “I worry from a public health standpoint that the data suggests that people with type A are more likely to get infected and the counter is that people with type O might be partially protected,” he says. “I don’t want people to think that somehow their blood group status should make them less concerned about being wise and using standard precautionary measures when it comes to COVID-19.”

From a practical standpoint, however, the new information about how blood types may influence COVID-19 risk could help doctors better manage risk among groups such as the elderly and those with compromised immune systems. While those with any blood type will likely be treated the same, if doctors know certain elderly people or cancer patients have type A blood, for example, it might make them more vigilant about watching for signs and symptoms of infection and educating their patients about protecting themselves from exposure.

Stowell plans to build on this work and explore how people with type B blood, whose antigens differ only slightly from those with type A, fare when it comes to COVID-19 risk. “We don’t know why the virus doesn’t bind to type B quite as well, but we are doing that work right now,” he says.



source https://time.com/6290439/covid-19-a-blood-type/

The IRA Is Our Best Shot at Tackling Climate ChangeBut Only If We Dont Squander It

I grew up watching Schoolhouse Rock, the animated shorts that educated American children of the seventies while we zoned out in front of the TV. The most memorable segment was the one where an adorable singing bill—literally a piece of paper rolled up and tied with red ribbon—started out bored and neglected on the steps of the U.S. Capitol. When he finally made it through the many steps of the legislative process and became a law, everyone would cheer, and then Tom and Jerry or Land of the Lost would come back on. After years of Saturday mornings with “I’m Just a Bill,” the lesson was burned into my young brain: when you want to make change, pass a law. But this lesson was incomplete, and there’s no better illustration of what was left out than the change we must make to slow global warming. The journey of the Inflation Reduction Act from bill to law was contested at every turn, and pushed relentlessly by heroic activists determined to get us a shot at avoiding a climate collapse. But the law’s passage wasn’t the shot. Getting it signed into law just gave us the shot. Implementing it properly is how we take it.
[time-brightcove not-tgx=”true”]

What happens after a bill becomes law doesn’t get much attention, except when it does. Almost ten years ago, the website that was supposed to operationalize the Affordable Care Act launched. With millions to enroll in health plans, only eight people managed to sign up on the first day, and it was months before the site could handle the load. The ACA faced daunting political opposition, but at launch it faced an entirely different threat, one that had little to do with politics. Bad implementation nearly undid the whole legislative effort.

The IRA, which passed last August, required similarly herculean strength, especially with only 50 Democratic votes in the Senate. This landmark legislation is designed to, among other things, lower the prices of prescription drugs and modernize the IRS, but its real breakthrough is the incentives it provides to every American household to upgrade their appliances to electric versions, and spur EV and solar adoption. The IRA is inspired by research that shows that we could solve half of our climate problem, and give us a fighting chance to keep global warming under 1.5 degrees, if we use modern machines powered by increasingly clean electricity. Households don’t have to do it all at once—if each of us just made the electric choice when it’s time to get a new hot water heater, stove, furnace or car—and really, electric machines are better machines—we would buy the time we need to tackle other sectors of the economy and hopefully bring new carbon-focused inventions and technology to market. If we don’t buy that time, we are headed for a climate collapse that will further wreck the planet for future generations.

Implementation of the IRA doesn’t depend on one big website like healthcare.gov, but the risk that it fails to achieve its policy goals are similar in several ways. Both laws rely heavily on financial incentives, ones that have been carefully modeled by economists, tested by pollsters, and approved by politicians. But the success of a program starts with getting the incentives right—it doesn’t end with them. If it’s hard to take advantage of them—if the rules are confusing, if the website doesn’t work, if you don’t trust that you’ll get the rebate, or if there’s an alternative that’s just quicker and easier—the most carefully crafted incentives will sit largely unused.

This is where things get tricky for the IRA. For example, the IRA’s rebates are scaled to income—the less you make, the more you’ll get back when you buy an electric induction stove, for instance (up to 100%!). But many of these appliances will be bought and installed by contractors on behalf of their customers, and who wants to share their personal income details with someone they’ve hired? The non-profit Rewiring America has made recommendations about how to overcome these and other barriers based on practical considerations and real-world research. The federal and state agencies charged with implementing the law would do well to follow them.

But reducing friction for consumers is not something many government agencies excel at. The Public Service Loan Forgiveness program, for example, was plagued for years by complicated rules and poor communication to borrowers, resulting in denial rates as high as 99% for several years, until recent reforms. The agency responsible for implementing the ACA, the Centers for Medicare and Medicaid Systems (CMS), had very little prior experience building what’s essentially consumer software. Like the Department of Energy (DoE), Department of Commerce (DoC), and Environmental Protection Agency today, they mostly built systems for people who were paid to use them and received training (in the case of CMS, insurers, medical systems, etc), so they were rarely forced to make them intuitive. Today, CMS is building some of the most user-friendly services in all of federal government. But they learned to do that the hard way, and their learning curve almost took down President Obama’s signature policy initiative. The agencies responsible for administering the IRA need to get this right pretty much from the start.

Federalism can complicate implementation. The ACA assigned certain roles to the states. States were supposed to, for instance, decide whether they would participate in the federal marketplace (healthcare.gov) or build and run their own. But the rules states needed to know in order to make that decision and others came out in dribs and drabs, and weren’t totally finalized until the very month that the federal marketplace launched. Federal agencies like the DoE and DoC are in the same boat: they need to issue clear and timely guidance to the states under conditions of uncertainty, and already, much of that guidance is delayed.

For the consumer-focused provisions, that guidance needs to prioritize ease of use for contractors and consumers. There will always be ways a system could be more accurate in, for instance, verifying consumers’ incomes, but given what’s at stake, an “accurate enough” option needs to be okay if it means higher adoption of the program. Federal regulators are too often focused on getting every tiny little requirement exactly right in the most technically legally accurate way possible, at the expense of usability. As one implementation leader at CMS who has seen this happen too many times told her staff: “I get that it’s complicated. But it needs to make sense to a person.” If the priority is speed and scale, both federal guidance and state implementation will need to make different kinds of choices than they’re used to.

Local government will have to step up its game as well. At least cities and counties are used to dealing directly with the public, but it’s not as if anyone welcomes the chance to visit their local building department to secure a permit. If the IRA does its job of boosting demand, the number of people seeking permits for electrical upgrades and solar installations should multiply. Can these local offices meet the demand? I’ve worked with hundreds of local governments over the last twelve years and at best, I’ve seen modest increases in throughput on services like permitting after a year or more of redesign. More dramatic advances are possible, but only with pressure from the public and significant political will to overcome “statusquoism.”

Recently I asked a young climate activist what she was doing about the IRA. This young woman had been deeply committed to averting a climate disaster. “I don’t think much about it,” she said. “There’s nothing for young people to do.” But there is! Activists of all ages could start showing up at city council meetings and asking pointed questions about average permitting times. Designers, including those laid off from big tech, could use tools like journeymaps and service blueprints to find the bottlenecks in the system and suggest optimizations. These activities don’t sound radical—they don’t carry the shine of civil disobedience— but they are immensely practical and effective ways of reducing our country’s carbon emissions. Without attention to our own communities across the country, we could win the battle but lose the war.

“Manchin got a lot of what he wanted,” the climate activist also said. This speaks, I fear, to another reason there is insufficient effort behind following up on IRA implementation. The law as passed is imperfect. All laws are. But the likelihood of another comprehensive legislative package on climate in the next several years is extremely low. The IRA is our shot, and we’d better take it.

Kids today don’t watch I’m Just a Bill on a TV the way I did, but they may watch it on a screen. They’re growing up in a world where you can summon a car or a meal with a few taps on their phone, and their parents are less and less tolerant of burdensome paperwork processes that “don’t make sense to a person.” If we want them to electrify and solarize, we’re going to have to make it easy. And many more of us are going to have to take responsibility for that happening, and sweat the boring, bureaucratic details. In learning to celebrate legislation, we have ignored implementation. Today, one of the greatest threats to our kids and the world they will inherit is the belief that having passed a law, the work is done.



source https://time.com/6290582/inflation-reduction-act-climate-change-implementation/

Margot Robbie and the Barbie Cast Are Here for a Barbie Challenge



source https://time.com/6290649/the-barbie-cast-doll-challenge/

من هشت سال گروگان ایران بودم. آیا دوستانم از بمباران اسرائیل جان سالم به در بردند؟

Read this story in English here نمازی گروگان سابق آمریکایی در ایران است و اکنون عضو هیئت مشاوران ابتکار آزادی برای زندانیان سیاسی در...