Ever wonderhow your monthly student loan payments might stack up next to someone who graduated with a completely different major?

The range can be significant starting at $406 a month in the retail industry all the way up to $685 a month for those working at private hospitals and other companies in the social assistance industry.

The averages are based on data released by Fidelity Investments and give a glimpse how some fields can leave employees burdened with more student loan debt than others.

The figures which are higher than other studies are based on information fromnearly 30,000 users of Fidelity's Student Debt Tool. Those individuals may be more likely to take the time using the tool exactly because they're overburdened by college debt.

The tool is widely available at major companies where Fidelity is a record keeper for the 401(k) plan. The tool is available online to the general public, too. See: http://www.fidelity.com/studentdebt.

The Fidelity data includes those with graduate degrees, as well as undergraduate degrees.

"Here's a snapshot of people looking for help," said Asha Srikantiah, head of the student debt program for Fidelity Investments.

We're moving into the time of the year when many new graduates from the Class of 2019 will start making payments on their student loans as theirsix-month grace period ends.

College grads had an average of $29,200 in college loans a record in the United States based on data for the Class of 2018 for those with bachelor's degrees, according to the latest report by the Institute for College Access & Success. That's up 2% from the 2017 average of $28,650.

Graduating with $35,000 in college debt could amount to a $371 a month payment under a standard 10-year repayment plan, assuming a 5% interest rate. That's just a tad lower than the average car payment for a used car.

Student loan borrowers should fill out the FAFSA as soon as they can to get the most aid. Oct. 1 marks the kick off date for those who will be in college in the fall of 2020.(Photo: BrianAJackson, Getty Images/iStockphoto)

Many times, college grads focus on trying to make those monthly payments as low as possible by signing up for various repayment plans. The trade off, though, is that extending your payments often means you're delaying paying off the loans as interest keeps building.

It's not unusual for many people to see student loan debt build over time the longer they're out of college because they've been paying too little on the debt.

You're not alone, for example, if you're looking at $400 or $500 a month for student loan payments, according to the Fidelity data.

The Fidelity report showed:

To be sure, the average monthly payments listed via Fidelity are considerably higher than the overall averages nationwide. The typical student loan payment falls between $200 and $299 a month, according to data from theFederal Reserve Report on the Economic Well-Being on U.S. Households in 2018.

In general, estimates for those with bachelor's degrees shows that grads majoringin education and communications tended to have lower monthly payments (in the low $300 a month range) than those with engineering or physical science degrees (in the $375 to $395 a month range). That's based on a study of monthly payments in 2012 for those who graduated in 2008 done by the National Center for Education Statistics at the U.S. Department of Education.

Those earning degrees in science, technology, engineering and mathematics may need to borrow more money in some cases.

"The debt of STEM graduates may be higher, but they also have higher income," saidMark Kantrowitz,publisher and vice president of research forSavingforcollege.com.

Millennials have an average student loan balance of $45,548 compared to $55,870 for Generation X and $56,652 for Baby Boomers, according to a Fidelity Investments review of borrowers using its Student Debt Tool.(Photo: Wavebreakmedia, Getty Images/iStockphoto)

According to the Fed's report, 54%of young adults who went to college took on some debt, including student loans, for their education.

Make sure you know the depth of your debt. Add up all of the different student loans that you've taken out over the years and get a clear picture on how much you owe, said Srikantiah at Fidelity.

Then, she said, try to examine what options are out there when it comes to federal repayment plans or possibly refinancing your student loans.

You want to understand the potential trade-offs with any move you make. Paying as much as you can on those loans will reduce your overall cost in the long run but you may need to live on a very tight budget to make that happen.

The Fidelity Student Debt Tool is used by borrowers who want to see all theirstudent loandata in one place and explore the impact of different repayment options.

Fidelity is offering access to a student debt refinancing platform through Credible.com via the student debt tool. Users can compare pre-qualified rates from up to 10 different refinancing lenders without affecting their credit score. In select states, borrowers currently will get a $750 bonus in the "near future" once they close on refinancing a loan.

Refinancing a federal loan into a private loan, though, may mean giving up an opportunity for various repayment options.Fidelity's Student Debt Tool helps borrowers assess the pros and cons of refinancing, including the impact on Federal loan repayment options.

"Repayment of this debt can be challenging," the Fed report stated. "In 2018, two in 10 of those who still owe money are behind on their payments little changed from the prior year."

The Federal Reserve noted in its report that individuals who did not complete their degree or who attended a for-profit institution are more likely to struggle with repayment.

Comparatively speaking, the Fed noted that otherswho completed a degree from a public or private not-for-profit institution, even including those who took on a relatively large amount of debt, had less difficulty.

Typically, a general guideline is that you don't want to owe more than what you can make that first year out of college.

If total debt is less than annual income, you should be able to repay your student loans in 10 years or less, Kantrowitz said.

High monthly payments, of course, cut into one's ability to save money or borrow for something else.

When you're looking at a $450 a month student loan payment, the last thing you want to do is go out and take out a new car loan.

The average new car payment, after all, is about $550 to $595a month, based on data from Experian and Cox Automotive's Dealertrack.

More: Black women bear largest burden in student debt crisis

More: Givling app helps trivia players pay student loans, mortgage debt but it could cost you

More: College grads average $32,158 in debt in Michigan. Here's what some didn't know

More: Struggling to pay student loans? You could be targeted by scammers

One's ability to save for the future or establish roots by buying that first home may also be hindered by a big college debt burden.

Many individuals delaycontributing to their retirement savings plans and many may even take out loans against their 401(k) plans.

Roughly one in five college loan borrowers who used the Fidelity tool reported contributing nothing to their 401(k) plan.

And nearly one out of seven borrowers reported having a loan outstanding against their 401(k), according to the Fidelity research.

What's even more startling: Baby boomers tend to have the largest levels of student loans based on the Fidelity data. Baby boomers had an average monthly payment of $565 for student loans. Their average student loan balance was $56,652.

By contrast, millennials had average monthly payments of $469 on average student loan balances of $45,548.

Over the last decade, the average debt at graduation has increased by 21% for bachelors degree recipients, Kantrowitz noted.

And in the past decade, he said, the average debt at graduation has gone up by 53% for parents.

"Parent debt has increased because students in bachelor's degree programs are running up against the federal student loan limits," Kantrowitz said.

"For a dependent undergraduate student, the aggregate limit for Federal Direct Stafford loans is $31,000 and the sum of the first four years of annual limits is $27,000. As more students hit these limits, it shifts further borrowing to parent and private loans," he said.

Yet parents, too, need to pay careful attention to how much they're willing to borrow to send their children to college.

"My rule of thumb for a parent is 'Don't borrow more than your annual income for all your children,'" Kantrowitz said.

"If your total parent education debt is less than your annual income, you should be able to repay your parent loans in 10 years or less," he said.

If you're an older parent, though, and likely to retire in less than 10 years, you'd want to borrow even less money to send your children to college.

"For example, if retirement is only five years away, borrow half as much," Kantrowitz said.

Contact Susan Tomporat 313-222-8876 or stompor@freepress.com. Follow her on Twitter @tompor. Read more on business and sign up for our business newsletter.

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Who's dealing with the biggest student loan payments? - Detroit Free Press

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weVENTURE mission is to accelerate sustainable business growth for women entrepreneurs. Left to right: Susan Erickson, Kathy Register and Val Williams with their big W that they take with them for promoting weVENTURE. (Photo: MALCOLM DENEMARK/FLORIDA TODAY)

The businessesweVENTURE helpsput food on the table for local women and their families.Through weVENTURE's guidance,women realize their dream of business ownership and work their way toward financial well-being.

That work has earned weVENTURE a spot as a finalist for Organization of the Year.

weVENTURE started outas the Women's Business Center at Florida Tech in 2007 through a collaborative grant with the U.S.Small Business Administration. Since then, the organization has grown and evolved to provide assistance to small businesses, aspiring entrepreneurs, and growth phase businesses.

Organization of the Year 2018 nominee: Tied Together of the Space Coast

Organization of the Year 2018 nominee: 321 Millennials

Organization of the Year 2018 nominee: Early Learning Coalition

In the 2018-2019program year alone, weVENTURE trained and counseled more than600 clients,helping them gain the confidence to start and grow their business, orempowering them to excel in their chosen profession. weVenture has helped people start more than25 businesses this year. And since its inception, theIGNITE360 business mentoring program has worked with more than100 businesses who cite impressive revenue growth.

"Most rewarding is being able to see our clients achieve their goals," said Val Williams, program director andstrategic business coach. "We've worked with women in businesses all the way from cottage industry to million-dollar-revenue companies. But when they come in, no matter who they are, they have many of the same concerns."

weVENTURE's mission is to accelerate sustainable business growth for women entrepreneurs. Left to right: Val Williams, Kathy Register and Susan Erickson.(Photo: MALCOLM DENEMARK/FLORIDA TODAY)

weVENTUREaddressesthose concerns one-on-one, form beginning points to mapping out success strategy and importantly, how tomeasure success.

"That's why we do what we do," said Williams. "Women do business a little bit differently. They're parents. They're wives. Their priorities may be different from those of their male counterparts, so they have fears of not being enough ... how will this affect my family? How will this compromise my time? Those soft skills are not always addressed in traditional business coaching, and we look at the complete woman, incorporating personal goals."

weVENTURE believes that "mentorship is important, strong businesses mean a stronger economy, strong businesses need strong leaders and women's voices should always be a part of the conversation,"said board member Ann Luke, who works in the financial services industry.

"It's a treasure to be able to refer entrepreneurs to a local, tested and respected organization to get the help they require, wherever the business is in their growth stage," Lukesaid.

Contact Kennerly at 321-242-3692 or bkennerly@floridatoday.com, Twitter @bybrittkennerly or at Facebook.com/bybrittkennerly.

Read or Share this story: https://www.floridatoday.com/story/news/2019/10/30/weventure-organization-year-finalist-2019-volunteer-recognition-awards/3881474002/

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weVENTURE is 2019 Organization of the Year finalist in FLORIDA TODAY Volunteer Recognition Awards - Florida Today

Yanely Espinal knows what the power of a financial education she came from a low-income home with two parents and nine children, and ended up with credit card and student loan debt even after receiving a full scholarship to college.

The Brooklyn native said she often saw a difference between herself and some of the wealthier students around her. She attended high school near Lincoln Center in Manhattan, where many students wore brand-name clothes and returned from holiday break with the latest gadgets. When she went to Brown University, her friends were often going bowling or eating at Chipotle, CMG, +1.53% activities she couldnt afford on a regular basis.

So she opened her first credit card at 18 years old, with a $1,500 limit. I never had that much money before, she said. She used that credit card and three others she opened during her college years for textbooks and a laptop, as well as trips to the movies and restaurants. By the time she graduated, she had nearly $20,000 in debt $15,000 in credit card debt and $5,000 from a student loan. Her credit card interest rates were around 21%.

See: Financial literacy skills have taken a nose dive since the Great Recession

A $9 book called Women and Money by Suze Orman caught her eye one day while she was buying shampoo at Duane Reade. That book taught me everything I wish I knew before I was 18, she said. She spent the next few years reading up on saving and investing, and listening to podcasts and TED talks about financial topics.

I became obsessed with knowledge I felt I was deprived from, she said. It was social justice and financial empowerment, and that combination helped fuel my curiosity to learn as much as I could. She started her own YouTube channel, MissBeHelpful, to share some of her own lessons about money as well.

After the YouTuber paid off her debts, in less than two years, she opened her first Roth IRA and then allocated whatever debt payments she used to make into savings and investing. Three years after that, in March 2018, she had amassed just shy of $50,000. In the last 18 months, shes doubled her net worth. Part of her inspiration was the goal to eventually have a comfortable retirement.

Espinal, now 30, is the director of educational outreach at Next Gen Personal Finance, a nonprofit organization that offers free resources and tools to educators interested in teaching personal finance.

Less than half of U.S. states have a financial literacy requirement for high-school students. Financial illiteracy is a growing problem in the U.S., especially for young adults. Less than one-third of college students (28%) could correctly answer three multiple-choice questions about interest, inflation and risk diversification, according to a 2015-2016 FINRA study, and slightly more than half (53%) could do the same.

Although financial literacy is useful, there is a debate about when and how to dispense these lessons. Presidential candidate Andrew Yang tweeted in September that, in his experience, teaching financial literacy is difficult to people who dont have money. Some Twitter users criticized him for the statement, saying individuals can make the most of the lessons they learned when they finally do come into money, while others agreed with him that having the funds beforehand allows people to put their financial education to use immediately.

Still, there are steps anyone can take to get started on the path to financial freedom and eventually a nest egg like Espinals. Here are a few:

Dont miss: Money expert Jean Chatzky on how Americans should save for retirement and what youre getting wrong about the FIRE movement

Much of Espinals success can be traced back to her thirst for knowledge, and all the time she spent reading up on financial topics and soaking up information in podcasts and shows about money.

When you dont know about your money and you dont know about money, you are in this helpless place, she said. Learn as much as you can and look at your situation.

There are plenty of benchmarks and metrics online to measure how well an individual is doing compared with her peers. Sometimes these guidelines can be useful, as a way to gauge what is average, but sometimes they can be discouraging. The key, Espinal said, is simply to assess your current financial situation, and see if there are any tweaks that can be made to spending and saving, as well as other personal factors, like the interest rate youre being charged on your loans or the payment schedule thats set up. Espinal said the interest rates were about five times as high as what she would have been charged if shed taken out student loans instead, but she didnt realize that until it was too late.

Every dollar in a paycheck matters to someone who is living paycheck to paycheck. Although it might seem impossible to part with that money to pay down debt as well as save for retirement and other future goals, it is imperative, Espinal said.

Some people may find they are spending on products and services they dont actually care that much about such as one too many happy hour tabs or a superfluous subscription box (it doesnt always have to be a cup of coffee or avocado toast).

Many financial advisers suggest putting aside 10% (or more) of a salary for retirement, but thats not always feasible. For people who cant afford that, Espinal suggests cutting that rate in half. And if that seems impossible, try putting 3%. The goal is to set aside something anything even when money is tight. This is especially true when an employee has access to an employer-match, which is essentially free money. In that case, most financial experts will say put at least the amount to meet the full match.

Also see: This new Broke Millennial book has secrets for young people who dont want to think about retirement

Making financial decisions can be stressful, especially when there isnt that much money in the budget that may lead people to making the less optimal choice. Automating financial decisions, such as saving a set percentage of every paycheck or when to pay off credit card debt, can support good financial habits, said Tim Ranzetta, co-founder of Next Gen Personal Finance, where Espinal works. Its hard to set aside money for the future when the current situation feels so urgent, he said. Automating it means you dont even have to think about it.

The first savings goal should be an emergency account, which can help pay for an unexpected car repair or a trip to the hospital. Eventually, people can use automation to create and build an investment account, Ranzetta said.

Automatic deposits and automatic escalation of retirement contributions has proven to help Americans for decades. Richard Thaler, who received the Nobel Prize in economics in 2017, is credited with helping Americans put nearly $30 billion in their retirement accounts, because of his and colleagues research on behavioral finance and auto-enrollment and auto-escalation.

Money isnt the easiest thing to talk about, but its important. Parents can teach their children a lot about finances, as can their children eventually teach them when theyre older. Friends and family members should try being more open about these discussions, which can help in many ways, including knowing theyre not alone in a difficult situation or finding useful advice for a problem.

Opening up about your financial situation can also mean finding an accountability partner, said Joe Buhrmann, manager of financial planning support at Country Financial. Friends can become accountability partners, looking for budget-friendly activities and meals, or emotional support systems.

Not everyone has the time or means to create a side income stream or work another job, but its one surefire way to make extra money to put toward debt, and eventually savings. Espinal said she juggled a few jobs to earn more, especially when she was paying down all of her debt. Shed tutor on Saturday mornings, which seemed like a sacrifice when friends were on their way to the beach, but it ensured shed get to a place where was financially comfortable. Get creative coming up with income, she said. Its 2019. There are so many ways to find side gigs and hustles.

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This woman went from deep debt to retirement riches in a few years by teaching herself financial literacy - MarketWatch

CORPUS CHRISTI, Texas There are so many beautiful aspects of Corpus Christi a resident or visitor can point out. One issue that has taken center stage recently that tends to get glossed over is the homelessness issue and its growing population.

A non-profit organization lending a helping hand is Mission 911.

The group was formed in 2001 for the sole purpose of helping displaced people gain back self-sufficiency.

For some, becoming homeless is a choice. For many others it's "unintended circumstances" such as alcohol or drug addictions, making bad choices, losing a job or a mental illness.

KRIS 6 News visited with Mission 911 Executive Director Tony Reyes to get a first-hand look at how Mission 911 works to get those who have fallen on hard times back on their feet again.

According to Reyes, approximately 85 percent of the homeless population that turn to Mission 911 have substance abuse issues, 25 percent of the homeless population has mental health issues, 98 percent of the residents have employments problems and 80 percent of the residents have requested spiritual guidance. As those individuals address the issues that have led them astray, they have a better chance of self-sufficiency and becoming a productive member in society. Sadly, Reyes says, about 40 percent of the population consists of the working poor and it is estimated that 3,500 individuals and families are homeless.

Mission 911 doesn't believe in handouts, but instead offering a helping hand to those in a crisis and wanting positive change. In 2018, they screened applications, conducted personal interviews and background checks, and accepted 530 individuals and families into its many available programs.

Housing is a huge part of what Mission 911 offers. Once accepted into a program, those who are helped technically are no longer homeless.

The organization offers a clean and secure place to sleep, food, clothing, job opportunities and transportation, along with other special-need requests, spiritual guidance and activities.

There are rules for staying at the facility. There are expectations for personal cleanliness, orderly housekeeping with weekly assignments, paying a nominal monthly rent, a curfew and a no-tolerance rule for any use of alcohol, drugs, profanity or aggressive behavior. Once an individual proves they can live in a joint, bunk-like setting, they become eligible for a more private living arrangement.

Making a good first impression is important when it comes to finding a job and taking that first step to positive change.

Another way Mission 911 helps is through its dentistry program. Based at 911 Park St., Project Lucia provides dental services for residents. The goal is to help the indigent, working poor and homeless families in need of dental work. The dental services offered are provided by Dr. Bill Whiteside, who volunteers his time and much of the dental equipment, such as dental tools, an x-ray machine and a dental chair.

Mission 911 also has a room it calls 'The Closet,' which consists of hundreds of clothing items of all types. It not only provides clothing needed, but also storage for the clothing residents already have.

Another source of help is the Alpha Program, which consists of a series of talks addressing key issues related to the Christian faith. The Alpha course consists of an hour dedicated for a meal, 45 minutes of talking and an hour of coffee and small group discussion.

Mission 911 is committed to helping to provide a better life and future for those who come through its doors.

In 2018, Reyes said it had a 22.6 percent success rate and helped 120 individuals and families make the positive changes necessary to become productive citizens in the community.

While the numbers may seem small to some, it's making a difference to many.

For those who make it through its 15-week Project Bridges Program, the success rate is 85 percent.

And with every success, Tony Reyes and his team are sure every person who walks through their doors has a chance to change and turn their lives around for the better.

It's the hope of Mission 911.

For more information about Mission 911, click here.

Originally posted here:
MISSION 911: Helping the displaced back into society - KRIS Corpus Christi News

LANSING A judge on Monday ordered former Michigan State University President Lou Ann Simon to stand trial on charges that she lied to police about her knowledge of a sexual misconduct complaint against now-imprisoned sports doctor Larry Nassar.

The ruling came the same day the school revealed that trustee Nancy Schlichting resigned Saturday over the governing board's decision last month to drop an independent review of Nassar's assaults, despite having unanimously voted for the investigation in June.

Schlichting, in a letter to Gov. Gretchen Whitmer, said it became clear to her that four trustees do not share the commitment by Schlichting and three other trustees to an independent review, including the release of documents protected by attorney-client privilege.

"I deeply regret that my board service has been so short, but hope that the next appointed trustee will be able to make a greater impact than I have," she wrote.

Eaton County District Judge Julie Reincke, meanwhile, found probable cause to send Simon to trial on two felony and two misdemeanor charges of giving false statements to law enforcement agents who accused her of impeding their investigation into one of Nassar's sexual assaults and whether she or other university officials committed misconduct in office.

"We are disappointed by the district court's ruling in light of the complete lack of evidence to support the charges against Lou Anna Simon. We plan to vigorously defend Dr. Simon and will be appealing the decision of the district court," said Lee Silver, one of her lawyers. "We remain confident that we will ultimately prevail and that Lou Anna Simon will be fully acquitted of these charges."

She is the third former school official to be ordered to trial.

Authorities have said Simon knew in 2014 that Nassar had been accused of molesting a patient at a campus clinic, and that she knew of the nature of the complaint. But Simon told police she knew only that a complaint had been filed against a sports doctor and did not become aware of the substance of the review that sparked the school's Title IX investigation or the complaint's nature until 2016.

The judge said the evidence suggests that Simon discussed Amanda Thomashow's sexual abuse allegations against Nassar with a senior adviser, Paulette Granberry Russell.

"It is not credible to believe that Simon would have heard even the outline of Thomashow's story and forgotten it," Reincke wrote.

Simon resigned in January 2018 after calls for her to step down had risen to a deafening crescendo over days of painful and emotional testimony from Nassar's victims, most of whom were gymnasts the former MSU physician pleaded guilty to abusing under the guise of medical treatment. Many of the victims accused the university of mishandling past complaints about Nassar.

Nassar has been sentenced to decades in prison for sexually assaulting athletes, mostly female gymnasts, at MSU and a Lansing-area gymnastics club. Former Olympians said he also molested them in Texas and overseas while he worked for USA Gymnastics.

In September, a day before MSU Board of Trustees Chairwoman Dianne Byrum announced that the outside review was being scrapped, the federal government ordered the school to make sweeping changes and pay a $4.5 million fine for failing to adequately respond to complaints against Nassar.

Byrum said then that the board was split over "defining the scope of work" that was to be done by Chicago-based law firm McDermott Will & Emery to investigate and release a public report. A previous internal review led by New York-based firm Skadden, Arps, Slate, Meagher & Flom had come under criticism because the firm was also assisting the university in anticipation of civil lawsuits and facilitating cooperation with law enforcement following Nassar's 2016 arrest. No report was made public.

Three Nassar victims who worked with the board to initiate the investigation Rachael Denhollander, Sarah Klein and Sterling Riethman have accused Byrum and three other trustees of a "betrayal." They have called on new MSU President Samuel Stanley Jr. to use his executive authority to launch an internal investigation, which they say is needed because the state attorney general's criminal investigation and the U.S. Department of Education's investigations cover "a small portion of what went wrong."

Michigan Attorney General Dana Nessel, whose office is prosecuting Simon, has called for the school to waive its attorney-client privilege and release nearly 6,000 documents. Stanley has said it is up to the trustees, who have deadlocked.

"I'm sorry that she is stepping down, but I wish her much personal success and happiness with her other projects," he said in a statement. "We valued her insight and contributions while she was with us."

Schlichting was appointed in December by then-Gov. Rick Snyder to fill a vacancy. Whitmer will name someone to serve the rest of the term through 2022, when the seat will be up for election.

"She is committed to appointing someone who will work together with President Stanley and the remaining board members to build a campus culture that respects diversity, listens to survivors, and makes a college education more affordable and accessible for Michigan families," Whitmer spokeswoman Tiffany Brown said.

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Former MSU president to stand trial in Nassar case - Crain's Detroit Business

Steve Jobs may be one of the smartest, most aspirational business leaders in the modern world, but his home life was less than ideal. Its true that he found enormous success with Apple and leading the technology revolution. But his personal life was an absolute mess. He even had a daughter who he claimed wasnt his own, even though she clearly was.

What was it that made Steve Jobs claim he wasntthe father of Lisa Brennan-Jobs? Its complicated.

Jobs was adopted at a young age but even that process didntgo smoothly. Originally, he was placed with a Catholic, well-educated couplebut they changed their minds and decided they wanted a daughter instead. Whenhe was placed with another couple, neither of whom were educated, Jobs birthmother Joanne Scheible refusedto sign the papers.

But being placed with this family turned out to be a blessing. Steve Jobs adoptive father built him a workbench in the garage where he could tinker with projects. And Steve Jobs loved his family even if they didnt have fancy credentials. Later, Jobs referred to his birth parents as, my sperm and egg bank but maintained that his home life with the Jobs family was very special.

Steve Jobs met Chrisann Brennan at Homestead High School in Cupertino, California. The two dated on and off for five years before Brennan got pregnant in 1977. From the very first moments, Jobs denied that he was the father of the child. Perhaps uncoincidentally, Lisa Brennan was conceived the same year that Steve Jobs founded Apple. All of his efforts were focused on making his new company succeed and he didnt have time for fatherhood.

Lisa Nicole Brennan was born on May 17, 1978, at a commune outside of Portland, Oregon. Her father Steve Jobs was not present for the birth.

Only Steve Jobs himself could say for sure why he refused tobelieve reality that Lisa Brennan-Jobs was his real, biological daughter. Hispaternity denial led to a legal battle where a DNA test proved he was indeedthe father, though he refuted paternity even after that, claiming that 28% of the male population of the United Statescould be the father.

Despite his refusal to accept her, Jobs did name an early Apple computer Lisa. At the time, he claimed Lisa was simply an acronym for Local Integrated Systems Architecture. But later he admitted that it was obviously named after the daughter he refused to acknowledge.

Many years later, Steve Jobsrelented to the idea that he could be Lisas father. But by that point, thedamage to their relationship was so extreme that it took a long time to repairit.

All I wanted was closeness andsweetness and for him to relieve me. To let me be the star, probably. To belike, Well, how was your day? And to listen. And at such a young age, and soused to the spotlight, and to everybody fawning on him he didnt know how tobe with me, Brennan-Jobs said of their relationship.

Instead, Lisa and her father hadplenty of turmoil, angst, and uncertainty. But things got better before hepassed away from pancreatic cancer in 2011. The two spent years repairing theirrelationship and eventually, though he had been stingy with sharing his fortuneall along, Jobs left his daughter Lisa several million dollars as part of an inheritance.

Families are complicated, and no one is sure why Steve Jobs denied his daughter at first. But at least he made amends with her in the end. Lisa Brennan-Jobs published a memoir chronicling the long journey to forgiveness, Small Fry, in 2018.

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The Real Reason Steve Jobs Denied He Was Lisa Brennan's Real Father - Showbiz Cheat Sheet

CAMP receives national award nomination for Latino organization

Freshman Tanya Rivera, member of the College Assistant Migrant Program, talks about the program and the impact it has on the children of migrant workers pursuing a college education.

ROLAND HUIE

Freshman Tanya Rivera, member of the College Assistant Migrant Program, talks about the program and the impact it has on the children of migrant workers pursuing a college education.

ROLAND HUIE

ROLAND HUIE

Freshman Tanya Rivera, member of the College Assistant Migrant Program, talks about the program and the impact it has on the children of migrant workers pursuing a college education.

LOREN NEGRON, Evergreen reporterOctober 28, 2019

The WSU College Assistant Migrant Program was recognized as a finalist for a national award given by the Latino education organization Excelencia in Education.

CAMP Director Michael Heim said this was the first time CAMP received a nomination for the award.

Heim said the Examples of Excelencia award recognizes programs that have track records of helping Latinx students succeed in higher education. About 170 programs were nominated nationwide. There were 12 finalists honored at the Celebracin de Excelencia event on Friday in Washington, D.C.

I think that one of the main points that was highlighted for our program is that we do a good job at all of the work that would support students toward succeeding in their first year at the university, he said. We also had very high retention rates.

Established at WSU in 2006, CAMP works with first-generation students who have a personal or familial background in migrant or seasonal agricultural work. It focuses on student academic success, personal growth and student retention.

Most of our students are coming from families that have only done farm work, Heim said. When you have a student come to the university, it could be a cultural shock for students coming to a new setting.

Heim said the program empowers students to bridge academic success with personal success, helping them find balance in college and take advantage of opportunities and resources.

Being a first-gen and coming from an underrepresented community and also low-income and changing your environment and moving away from home, theres connections that CAMP is able to provide for our students, he said.

Tanya Rivera, freshman speech pathology major, said the program helped her find a community of mentors and students who support her. Arriving a day before classes started due to a family emergency, CAMP members helped her move in and took the time to get to know her.

When youre a first year here and you feel alone, youre far away from home, I think everybody really supports each other, especially the mentors, she said. They want to see what youre about, what your background is, where youre coming from.

She said CAMP staff made an effort to get her to meet other CAMP student.

They really took the time to put themselves out there and help me before they helped themselves, Rivera said.

Rafael Pruneda, CAMP academic coordinator and retention specialist, said CAMP accepts a minimum of 50 first-year students each academic year. Students or their parents had to work in an agricultural job for at least 75 days within the past two years to qualify for the program. They must also be first-generation students.

Pruneda said CAMP students receive a wide variety of services, including free one-on-one tutoring, counseling and advising. They also participate in annual team building and leadership retreats. A $1,000 stipend is given to each student.

From the get-go, they are a part of our family, he said. We really stress that and let them know we are here and that they are not alone and that we are going to be able to provide that mentorship, that guidance, and also the academic piece of knowing that were checking up.

Heim said retention is a strong focus of the program. From 2013 to 2018, CAMP had a 98 percent retention rate.

Pruneda said retention has been high due to the mentorship aspect of CAMP. He said CAMP builds trust and community for staff members to understand students backgrounds.

I think so many times our students come in resilient, but theyre broken down sometimes, feeling overwhelmed from not having the home, culture and their families around. We really offer that mentorship, Pruneda said.

While in the program, students attend a University 101 and University 104 class, he said. The classes are designed to help students navigate through college and prepare for their careers. Students are also required to visit their professors at least eight times per semester.

We really mentor a family of scholars. We strive to help them, Pruneda said. The expectations set for them is at a high level. We want them to succeed and be high-performing.

Yissel Zazueta, CAMP tutor lead and senior human development and Spanish double major, said CAMP students have access to tutors from from 4-7 p.m., Monday through Thursday. They are required to attend at least two hours of tutoring. Some of the tutors and mentors are past CAMP students.

[CAMP] really impacts the first-generation students here at WSU. It includes them in a different way and make them feel like they have a home, she said.

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WSU program recognized for first-generation efforts - The Daily Evergreen

What more could be asked of the man who has done just about everything?

Before he throws a pitch in Game 6 of the fall classic Tuesday night, Justin Verlanderpossesses a rsum fit for a Hall of Famer. The 36-year-old is the second player in major league history to earn an MVP, Rookie of the Year and Cy Young an award in which hes finished in the top-5 seven times, with another looming for 2019.

Over his 15-year career, Verlander has amassed more than 3,000 strikeouts and has made eight All-Star Games. He finally got a World Series ring on his third try when the Houston Astros claimed their first championship two years ago.

There isnt much left on his MLB bingo card. He even got his first major league hit with the Detroit Tigers in 2014 after going 0-for-26 to start his career. He still doesnt have a home run or an extra-base hit, though thats probably not keeping him up at night.

But on Tuesday night in Game 6 of the World Series against the Washington Nationals, Verlander can accomplish something thats eluded him for more than a decade. In six World Series starts, he is 0-5 with a 5.73 ERA, and his team has won just one of those games.

The Astros have an opportunity to clinch their second championship in three years in Game 6 at Minute Maid Park, and Verlander can get a World Series-sized monkey off his back in the process.

Those are the moments that you dream about, he told reporters before the Astros 7-1 victory in Game 5, which gave them a 3-2 series lead. It's just having the opportunity to be out there and be on the mound hopefully in a scenario where we can close it out, that's everything I've dreamed of.

In the Astros 12-3 loss in Game 2, an Anthony Rendon double put Verlander in a two-run hole before he could record an out. Kurt Suzuki led off the seventh with a tie-breaking homer, and a walk to the following batter, Victor Robles, ended Verlanders night.

He was charged with four runs on seven hits and three walks over six innings. Afterward, he noted the Nationals preparedness and ability to make adjustments to different pitchers, especially when altering their approach with two strikes.

In today's game you don't see it that often, he said. Honestly, it's kind of refreshing to see a couple of teams that don't swing and miss a ton, and change their approach based on the pitcher that's pitching against them.

Justin Verlander has never won a World Series game, but he's looking to change that in Game 6 for the Astros. (Photo by Elsa/Getty Images)

Tuesday night will be the 12th time in his career that Verlander will pitch twice in a postseason series. So far, hes 6-5 in the second game of the series, with losses in his past four starts in that scenario. He mentioned that theres more pressure on a pitcher to execute in those types of situations.

I think those opposing guys, once they've seen you three, four at-bats, it's a little bit easier for them to make adjustments, and having seen your off-speed stuff and tracked it, he said.

Compared to his stellar regular season, a different version of Verlander has shown up in October which, even for a future Hall of Famer, isnt uncommon. Hell likely finish second in the Cy Young voting to teammate Gerrit Cole after putting together the second 20-win season of his career while reaching the 300-strikeout plateau for the first time.

But hes accumulated a 4.15 ERA this postseason, highlighted by a 3.2-inning start in the ALDS against the Tampa Bay Rays in which he yielded four runs. Hes given up six homers in 30.1 innings, which was also a problem in the regular season granted with a ball that many believe is physically different where he gave up 36 long balls, the third-most among qualified pitchers.

Hes also averaging 3.26 walks per nine innings this postseason after posting a 1.70 BB/9 in the regular season. Those are the type of things that need to be corrected for Verlander, who owns a 3.15 ERA in potential series-clinching games, to get over this World Series hump.

Story continues

Verlander will be going up against Stephen Strasburg on Tuesday night. Strasburgs postseason problems were contrasting to Verlanders until this year. Hes been at the front of a Nationals staff that couldnt win a postseason series despite his 0.47 ERA in October entering this season.

But a victory in the wild-card game jump-started a change for the Nationals, and all the while Strasburg has held up his end of the bargain, retaining a 1.34 postseason ERA.

Strasburgs success is a mix of the personal and team accomplishments that Verlander should hope will line up for him Tuesday. In terms of personal accolades, there isnt much that Verlander hasnt accomplished, and the Astros success over the past few seasons speaks for itself.

Verlander will likely have more opportunities to capture that elusive World Series victory beyond Tuesday night. Hes under contract for two more seasons with the Astros, who are expected to remain contenders even if Cole bolts in free agency. Recently, he was asked if he feels he can win 75 more games to get to 300 for his career.

I think I can get pretty darn close, he said. I think the changes I've made the last few years to my body and how I pay attention to things is going to allow me to pitch deeper than I would have otherwise.

It's definitely a goal of mine.

His Hall of Fame credentials were likely validated this season, and he can put one more conversation to rest with a victory when it matters most Tuesday night.

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Justin Verlander is chasing the one thing that eludes him in World Series Game 6 - Yahoo Sports

Dan Lok Releases Unlock It with ForbesBooks

This release is posted on behalf of ForbesBooks (operated by Advantage Media Group under license).

NEW YORK October 29, 2019 Dan Lok, founder of the High-Ticket Closer Certification Program, today announced the publication of Unlock It: The Master Key to Wealth, Success, and Significance. The book is published with ForbesBooks, the exclusive business book publishing imprint of Forbes.

Absent of new-age philosophy and rote advice about building wealth, Loks book focuses on the practical steps individuals can take to create personal fortunes. Dans method revolves around his Wealth Triangle Dynamics. This triangle is comprised of High-Income Skills, Building a Scalable Business and High-Return Investments. Citing real-world examples that illustrate each side of the Wealth Triangle, Lok gives readers a proven blueprint to generate financial independence and confidence for a lifetime.

Dan Lok believes it is his responsibility to bring a dose of reality to his readers. My job is to get you out of your seat and do something, he said.

Unlock It: The Master Key to Wealth, Success, and Significance is available on Amazon.com today.

About Dan Lok

Lok is an internationally recognized speaker and author. He has spoken at multiple TEDx conferences and has over 1.97 million subscribers on YouTube, alone. His High-Ticket Closer Certification Program is an intensive, seven-week mentorship program for entrepreneurs hoping to sharpen their sales skills. This program has reached over 6,000 students in more than 130 countries.

About ForbesBooks

Launched in 2016 in partnership with Advantage Media Group, ForbesBooks is the exclusive business book publishing imprint of Forbes. ForbesBooks offers business and thought leaders an innovative, speed-to-market publishing model and a suite of services designed to strategically and tactically support authors and promote their expertise. For more information, visit forbesbooks.com.

Media Contacts

Charlie Fusco, TGC Worldwide, charlie@tgcworldwide.com

Courtney Morrill, ForbesBooks, cmorrill@advantageww.com

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Wealth Mentor to Thousands Distills Message in New Book - Forbes

Liberals are graciously recommending that Conservatives boot out Andrew Scheer although he received the most votes in the election and brought the Liberals down to minority status and then select a new leader more to their liking. Mind you, notwithstanding earnest protestations to the contrary, very few of them would vote Conservative even if their wishes were granted.

Conservatives received 6.2 million votes, the largest total for the party in its history, including the majority win in 2011. Their tally exceeded the Liberals by about 240,000 votes, or 34.4 per cent to 33 per cent. The Tories also increased their seat total by 22 from 99 to 121, while the Grits lost 27 seats to 157.

Former prime minister Stephen Harper counselled Conservatives to remain calm and not rush to judgment on their leader. Scheer will have time to make his case, as he has every right to do.

However, Scheer will also be judged by detractors upset that he did not beat Justin Trudeau, whose failed record includes gross personal misdeeds and illegalities, international embarrassment, broken promises, deficits without end, hostility to resource development, declining competitiveness, capital flight, rising Quebec nationalism and profound Western alienation. In any other country his fall from global rock star to narcissistic virtue-signalling imposter would have been politically terminal.

So some Conservatives are asking whether another leader could have done better. Would a different personal style have made a difference? Was Scheers social conservatism fatal in critical ridings in the GTA and Quebec, even though he was clear his personal religious beliefs would not influence public policy? Were his attacks on Trudeau mean-spirited or did he waste a golden opportunity to pummel a vulnerable adversary? On balance, was it a mistake to reject Doug Fords support? Did Scheer need to move to the squishy ideological middle? Or should he have been more robust in asserting conservative ideas because they are more effective?

Then theres climate change policy, which the mainstream media claim was a critical weakness, although the Greens increased their seat count only from two to three, the NDP lost 20 seats and the Blocs success was primarily due to its solitary support for Quebecs secularism legislation. Liberal policies will fall short of Canadas Paris climate targets that, in any case, are unachievable without economic devastation. Furthermore, even if the politically impossible happened, our impact on global temperature would be minuscule.

Konrad Yakabuski offered his advice to Conservatives in the Globe and Mail under the banner Whats right for Canadas right: Andrew Scheer must go as Conservative leader. In a departure from his usual thoughtful objectivity he referred to a Conservative movement that has become narrow-minded, anti-intellectual, vindictive and retrograde in the minds of too many voters. He dismissively claimed that Pockets of Ford Nation may still exist somewhere on this planet, raising the question of what planet he lives on.

Yakabuski also made a derogatory reference to former prime minister Harper, whom historians will accord high marks for leadership and achievement, light years ahead of the incumbent. Overall, his article reflects a phenomenon endemic to progressives: an aversion to politicians even moderately to the right of the red Tories.

Liberals insist that if Conservatives would just adopt policies and elect leaders they prefer, the Laurentian Elite would rush out to buy Conservative memberships. Call me a skeptic, but I would not hold my breath.

They remind me of Henry Higgins who, in My Fair Lady, asked that most male chauvinist of questions.

Why cant a woman be more like a man?Men are so honest, so thoroughly square;Eternally noble, historically fair.

Why cant a Conservative be more like a Liberal? Well, they can, but they dont want to be. They believe their approach to public policy produces superior results for most people, in both the shorter and longer term. Freedom, democracy and the rule of law are core Canadian values worth defending against those who would dismantle them in favour of moral relativism or worse.

A genuine embrace of diversity would extend not only to certain defined groups but also to ideas, while political correctness and identity politics, the prime ministers stock in trade, divide rather than unite. Reliance on government to solve virtually every problem is ineffective and intrudes on peoples lives. Fiscal responsibility enhances prosperity, unlike profligacy and instant gratification, which mortgage the future. History and tradition can provide invaluable wisdom, as we continually adapt to modernity.

Conservatives will determine the Conservative leadership, taking into account core values and political reality. They should not care a whit about advice from political opponents who should be thinking long and hard about their own leader after his rejection by two-thirds of the electorate. In case Liberals are interested in my advice, I say let Trudeau stay!

Joe Oliver was Canadas minister of finance in 2014-15.

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Joe Oliver: Liberals have a lot of nerve advising Conservatives to boot out Andrew Scheer - Financial Post