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Oyjm 8203;Dr. Wayne Dyer s top 5 motivational speeches of all time
A central piece of the Biden administration s plan for tackling student debt could cost twice as much as the government estimates, according to a newanalysis. That projection comes as the White House s better-known debt-relief initiative mdash; a program to forgive up to $20,000 in student loans per borrower mdash; remains miredin legal limbo.The Biden administration is also preparing to reformincome-driven repayment plans, or IDRs, which peg a person s monthly student-loan payment to their income. In theory, the plans are aimed at lowering mont stanley cup hly bills. But they have been plagued by complicated rules and issues like negative amortization, which allows a borrower s balance to snowball despite making monthly payments.The cost of Biden s IDR reform effort could be as high as $361 billion over 10 years, according to the Penn Wharton Bud stanley cup get Model, a group of economists and data scientists at the University of Pennsylvania who analyze public policies to predict their economic and fiscal impact. That s more than twice as much as the U.S. Department of Education sestimatedcost of $138 billion over the next decade. The reason for the disparate estimates boils down to expectations for enrollment in the new IDR program, with the Biden administration expecting enrollment to remain static, Penn-Wharton said. But the economists at Penn-Wharton said they believe the new IDR plan would swell from about 33% of all eligible student stanley cup loans to as much Escg Mick Mulvaney summons feuding top health care officials to White House for cool-off meeting
Have the day off Try doing nothing. Doing nothing mdash; ironically mdash; can be a great way to make yourself more creative and productive over time, according to New York Times Smarter Living editor Tim Herrera. There s a lot of studies that show that building laziness and building idle time into you schedule and into your regular routine can actually in this weird roundabout way make you more productive, Herrera told CBS This M converse orning Monday. Letting your brain be kind of lazy and wander and just kind of going off into whatever daydreams you have can actually make us more creative, can make us better problem solvers mdash; can actually help us have better and more creative ideas in the long run. More important than doing nothing, Herrera said, is the idea that you give yourself permission to take the day off. Studies show that Americans only send abou adidas originals t 40% fewer emails on holiday Mondays compared to regular Mondays. We need to be OK with accepting the day for what it is mdash; which is a day off. Don t need to check your email, don t need to be responding. The world is not going to end if you re not on your phones the whole day, Herrera said. Herrera also stressed the importance of doing something that you might not normally do on your day off. For example, fewer than half of American families have a regul salomon ar family dinner and 20% of meals are eaten in the car. Use your day off to gather the family around and eat tog