Student Loan Debt Is A Drag On Your Health – Yahoo News

Mob boss cuffed on racketeering charges | New York Post

Graduates with the greatest amounts of student debt $50,000 or more are less likely than debt-free grads to be thriving in terms of well-being, according to a new Gallup-Purdue Index released Thursday. The index is a joint effort between Purdue University and the Lumina Foundation to study the relationship between the college experience and graduates lives. It looked at Americans who graduated from college between 1990 and 2014. Related: ID Thieves Could Ruin a College Students Financial Future Gallup defines well-being as consisting of five elements: finding fulfillment in daily work and interactions; having strong social relationships and access to vital resources; feeling financially secure; being physically healthy; and taking part in a true community. Not surprisingly, the pollster found the starkest difference between graduates who sunk deepest into debt and those who didnt take on any debt at all in the areas of financial and physical well-being. More specifically, high financial debt of all kinds, including student debt, has been associated with higher blood pressure and poorer self-reported general and mental health in young adults, according to a Northwestern University study published a year ago. That study also found that people with high debt reported higher levels of perceived stress and higher depressive symptoms. Related: Why High Debt Could Mean Financial Stability However, Gallup noted that high student loan debt might not be the only reason for lower well-being. Other factors that often determine whether students take out loans for college and how much they borrow may be the same factors that influence graduates future well-being, it noted. These other factors include the familys household income, its socio-economic status, the type of school the student attended, the chosen field of study, and the students ability to get scholarships and financial aid.
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Payday advances without the loan-sharking –

Al Sharpton was arrested Thursday on racketeering charges involving loan sharking, extortion and illegal gambling. Daniel Pagano, 61, son of the late Genovese hit-man Joseph Pagano, was busted at his Ramapo, NY, home and arraigned before a Magistrate Judge Sarah Netburn in Manhattan federal court on racketeering conspiracy. An associate, Michael Palazzolo, 49, of Rockland, was also charged before Netburn on racketeering conspiracy and extortion conspiracy. Pagano faces a maximum of 20 years behind bars and Palazzolo 40 years. The alleged crimes took place between 2009 and February 2012. Palazzolo and several unnamed co-conspirators also used threats of force to collect payments from a person they believed robbed one of the co-conspirators of marijuana, the indictment says. Pagano has been reportedly linked to an unsuccessful mob attempt in the early 1980s to recruit Sharpton to distribute illegal drugs. The two were also once acquaintances. Sharpton, according to reports, was also once a mole with the FBIs Mafia unit when they were investigating Paganos father. Sharpton has denied being a snitch or any wrongdoing.
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The purchases are set to end in October. Home prices rose in June by the smallest year-over-year amount in 20 months, data released Tuesday showed, slowed by modest sales and more properties coming on the market. Data provider CoreLogic said prices rose 7.5 percent in June compared with 12 months earlier. That’s a solid gain but less than the 8.3 percent year-over-year increase in May and a recent year-to-year peak of 11.9 percent in February. To calculate average mortgage rates, Freddie Mac surveys lenders across the country between Monday and Wednesday each week. The average doesn’t include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount. The average fee for a 30-year mortgage was 0.7 point, up from 0.6 point last week. The fee for a 15-year mortgage declined to 0.6 point from 0.7 point last week. The average rate on a five-year adjustable-rate mortgage fell to 2.98 percent from 3.01 percent. The fee remained at 0.5 point.
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The 22-Year-Old Entrepreneur Producing Reusable Sanitary Pads For Poor African Girls – Forbes

Barclay Paul Okari

I am the founder of Impact Africa Industries, a 3-year old company that manufactures affordable, reusable sanitary pads. Before now, I have been a founder of two other tech start-ups in Nairobi which had mixed success. I have a Bachelor of Commerce- Finance degree from the University of Nairobi. Barclay Paul Okari Your company produces reusable sanitary towels. How did you stumble on this of all other ideas? I started Impact Africa Industries in 2011. The idea was completely by default. I took a volunteering job in a girls school in rural Kenya and at the time I thought I the schools did not have enough teachers. When I got there I realized that pockets of girls kept missing school. On further inquiry, I learnt that the girls missed schools because they were on their periods and could not afford sanitary pads. I then wondered why there were no affordable pads in the market for this kind of population.
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Robinho returns to Brazilian club Santos from AC Milan on season-long loan | FOX Sports

“As we move into this on-demand economy, your payroll should be the same way.” The Threat of Abuse Still, not everyone is as convinced. According to Adair Morse, assistant professor of finance at UC Berkeley’s Haas School of Business, ActiveHours is a smart idea that’s meeting a very real need for low cost alternatives to payday loans. And yet, she says, ActiveHours may be overly vulnerable to abuse. Although people are only borrowing money they’ve already earned, Morse says it’s still possible that when ActiveHours tries to withdraw money from a user’s account on payday, the money will already be gone. Then, there’s the fact that ActiveHours relies on donations, meaning it’s susceptible to what economists call the free rider problem. “People assume someone else is better able to step up and contribute,” she says. “This whole idea of donations sounds great, but we’re talking about people who are constrained. They don’t have savings. They have debt.” And, if the donation model doesn’t work, Morse points out, ActiveHours reserves the right to change its fee structure at any point.
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Average US rate on 30-year mortgage rises to 4.14 percent; 15-year loan at 3.27 percent | Star Tribune

The 30-year-old forward had been linked with a move to Major League Soccer, but instead heads back to the club where he began his career before moving to Real Madrid in 2005. He also had a spell there on loan from Manchester City in 2010 before joining Milan. “This is my home,” Robinho said on the Santos website. “It’s a place where I feel very good and where I came into the world of football. I hope to repay the affection of all the fans on the pitch. I want to put Santos back where they should be, at the very top of the table.” Robinho had an injury-hampered season in Milan last year as the Rossoneri stumbled to an eighth-placed finish. FOX Soccer’s Blog offers unique coverage of the world game. Join us. The 92-cap Brazil international is under contract with the Italian giants until June 2016 but had expressed his wish to leave the San Siro outfit this summer after four years at the club.
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