Tag Archive Delaware

Morning Digest: Washington Democrat, a rising star, forgoes re-election to become a Jesuit priest

The Daily Kos Elections Morning Digest is compiled by David Nir, Jeff Singer, Stephen Wolf, Carolyn Fiddler, and Matt Booker, with additional contributions from David Jarman, Steve Singiser, Daniel Donner, James Lambert, David Beard, and Arjun Jaikumar.

Passing Off

* W-ALG: Democratic Lt. Gov. Cyrus Habib accidentally announced on Thursday that he would not seek a second term this year and would instead leave politics to become a Jesuit. The governor and lieutenant minister are elected separately in Washington, and Habib’s departure could set off a crowded August top-two primary to succeed him in the number-two spot. Recent autobiography, though, shows that this kind of scenario could again spell trouble for Democrat in this blue state if the party isn’t careful.

Back in 2016, three Democrats and two Republicans competed in the open seat race for nation treasurer, an office that the GOP had last won in 1952. The Democrat outvoted the GOP 52 -4 8, but because the Democratic vote was split three spaces, the two Republicans managed to secure both places in national elections. Democrats need to be especially leery about a repetition of that debacle because there’s a likelihood that Gov. Jay Inslee could end up quitting to join a Democratic presidential administration, which would fix whoever is elected lieutenant governor this fall the state’s brand-new chief executive.

Campaign Action

Habib’s decision to leave office likewise intent a high-profile and predicting working career. Habib, whose mothers emigrated to the United States from Iran, successfully flowed for the country House in 2012, a win that made him one of the first two Iranian Americans to be elected in a state legislature.( The other was Adrin Nazarian, who was elected the same day to the California Assembly .) Habib, who lost his sight as a child, was also the first blind person elected to the state legislature in 50 years.

Habib ran two years later to succeed retiring state Sen. Rodney Tom, who was one of the two renegade Democrats who made the GOP minority control of the upper room. Habib decisively acquired and soon became Democratic whip, though Democrats wouldn’t regain control of the chamber for another three years.

Habib, who attracted national tending even before he acquired his seat in the mood Senate, went on to prevail in a populace 2016 race to succeed longtime Lt. Gov. Brad Owen. That win drew Habib the first Iranian American ever elected to statewide office anywhere, as well as the state’s first blind lieutenant governor. The Senate soon installed various implements, including a Braille keyboard, that started it easier for Habib to preside over the chamber.

P.S. Habib’s decision to leave public life to join the Jesuits comes 30 years after Pope John Paul II forbade Catholic priests from deeming elected agency. That directive passed Rep. Robert Drinan, a Massachusetts Democrat and a Jesuit priest, to end his 1980 re-election campaign, while Wisconsin Democrat Robert Cornell too dropped his dictation to regain the House seat he’d lost two years before. Drinan and Cornell were and remain the only two Catholic pastors to ever serve as voting members of Congress.

Election Changes

Please bookmark our 2020 docket, which we will constantly update as any changes to election years are finalized.

* C-A2 5: Regional election officials are discussing the possibility of conducting the May 12 runoff for California’s vacant 25 th Congressional District only by forward, and according to the San Francisco Chronicle, both Democrat Christy Smith and Republican Mike Garcia are supportive. The newspaper adds that Democratic Gov. Gavin Newsom would have to sign off on such a change but says, “In the past, that admiration has been nearly automatic.” With the option to permanently receive an absentee ballot at home in every referendum, voting by forward has grown increasingly popular in California in recent years, with about two-thirds of all votes now shed that way.

* Connecticut: Democratic Gov. Ned Lamont has moved Connecticut’s presidential primary from April 28 to June 2. The state’s primaries for downballot role are not until Aug. 11. Democratic Secretary of State Denise Merrill, who has previously recommended the nation forfeit its self-justification requirement for voting absentee, says that officials are still “working on” the issue.

* Delaware: Election officials in Delaware are saying that the government will proceed as schemed with its April 28 primary. Nonetheless, Delaware’s excuse requirement to vote absentee has not yet been waived.

* Idaho: The Idaho Democratic Party has asked Republican Gov. Brad Little and Republican Secretary of State Lawerence Denney to conduct the state’s May 19 downballot primaries altogether by mail, but Denney’s office says that state law prohibits them from doing so. Denney is, nonetheless, feeing voters to shed absentee ballots, which any voter can solicit without an excuse.

* Indiana: The chairs of Indiana’s Democratic and Republican gatherings have jointly invited the state’s Election Commission to waive the reporting requirements that voters have an excuse in order to request an absentee ballot. Republican Gov. Eric Holcomb has said he also supports the move, and the commission’s chair says it’s under consideration. In addition, Indianapolis Mayor Joe Hogsett, a Democrat, has said that his office will forward an absentee ballot to every registered voter in the town, which is the largest in the state.

* Kentucky: Kentucky has already moved its presidential and downballot primaries from May 19 to June 23, but Republican Secretary of State Michael Adams says he is weighing whether to move to an all-mail election, though he considers the idea “a last resort.” Whether or not Adams pursues this alternative, Kentucky still requires voters to provide an excuse to vote absentee and has already been to forfeit it.

* Montana: Republican Secretary of State Corey Stapleton says the state is considering a time to its June 2 presidential and downballot primaries but adds that he is taking a “deliberate pause” before moving forward and plans to research the matter over “the next week or so.” Stapleton is running in the GOP primary for Montana’s lone congressional district.

* Nebraska: Nebraska officials say they have no strategy at this time to delay their May 12 primary for the presidential race and downballot parts, though like election executives everywhere else, they are encouraging voters to request absentee ballots. An apology is not needed to vote absentee in Nebraska, and a handful of agricultural districts already vote alone by forward.

* New Jersey: Democratic Gov. Phil Murphy has deferred a variety of special polls and school board scoots that were set to take place on April 21 and will instead consolidate them with the state’s May 12 municipal ballots, all of which be carried forward exclusively by mail.

* Oklahoma: Oklahoma’s top polls official is allowing local governments to postpone local elections that were adjusted for April 7 to a last-minute date. Regular elections may be consolidated with the state’s June 30 primary for downballot places, while special polls is likely to be rescheduled “for any election date allowed by law, ” according to the state ballots timber.

Senate

* CO-Sen: The conservative group Unite for Colorado recently propelled a $550,000 ad buy against former Democratic Gov. John Hickenlooper, and we now have a copy of its business. The narrator declares that Hickenlooper “is under investigation by Colorado’s independent ethics fee for admit proceed on private jets.” The blot then presents a reporter saying that Hickenlooper “is getting a $500 an hour taxpayer funded solicitor … and that money arises from a post-9/ 11 economic recovery fund.”

The state Independent Ethics Commission is currently looking into whether Hickenlooper flouted the state’s gift ban by consenting free cros during the final year of his governorship. The investigation began after individual complaints was filed by a group run by a onetime GOP state House speaker, and Hickenlooper’s campaign has denounced it as a partisan attack “filed by a dark fund Republican group.”

The onetime governor’s team has argued that some of these flights were for official position business, and that others were paid for by Hickenlooper himself. They’ve also said that other expeditions were “as is permitted by law, personal friends sucked a limited universe of other such costs.” The Independent Ethics Commission was to hold a hearing in late March, but it was pushed to April 28 due to the coronavirus.

The Denver Post also wrote back in January that Hickenlooper’s law protection is being paid for using what remains of the state’s share of federal monies given out in 2003 to help nations recover from the 2001 receding. The paper supplemented, “For the past dozen years, the fund has been treated as a highly discretionary implement in the budgetary tool belts of Colorado’s boss, granting them wide opennes over how its money was spent.”

Hickenlooper’s allies at Senate Majority PAC also recently moved up with a commercial-grade defending him and going after GOP Sen. Cory Gardner. The narrator was of the view that the incumbent’s “special interest collaborators are attacking John Hickenlooper with slanders called’ politically caused lies.’ The truth is this has nothing to do with 9/11. ” The ad then features a clip of Donald Trump declaring, “You’re gonna help us come Cory Gardner across that front because he’s been with us 100%. ”

* MT-Sen, MT-AL: The progressive group Aspiration Citizens United is out with a sketch from the Democratic house Public Policy Polling that shows its endorsed applicants restrained with Republicans in both congressional tournaments. Democratic Gov. Steve Bullock and GOP incumbent Steve Daines each make 47% in the Senate race, while 2018 House Democratic nominee Kathleen Williams ties GOP state Auditor Matt Rosendale 45 -4 5 for the state’s open House seat. Williams and Rosendale are each favored in their June primaries, while Bullock and Daines have no serious intra-party opposition.

It’s going to be difficult for Bullock to unseat Daines in this red state, but the new Libertarian Party nominee could shape the governor’s task a little easier. Lewis and Clark County Commission Chair Susan Good Geise extended the district Republican Party in the 1990 s, so she could end up making more polls from Daines than from Bullock.

Libertarian Party leads chose Geise as their campaigner after the party’s exclusively candidate, Eric Fulton, discontinued out on the last day of filing. Geise suggested that Fulton might have been working with the GOP to make sure that the Libertarian couldn’t field a candidate, though Fulton disagreed he decided to quit once Bullock get in.

Indeed, Bullock wouldn’t be the first Democratic Senate candidate to benefit from the presence of a Libertarian on the ballot. In 2012, a group backing Democratic Sen. Jon Tester spent heavily on ads encouraging voters to support “[ t] he Real Conservative, ” Libertarian Dan Cox. Tester pointed up beating Republican Denny Rehberg 49 -4 5, while the balance went to Cox.

Conservatives have said that she hoped that the Green Party could end up hurting Democrat the same way, but it hasn’t worked out for them so far. In 2018, an unknown person hired signature gatherers to get Green candidates, including a onetime position GOP operative, on the ballot, but a justice removed them due to lack of valid signatures.

This February, Rosendale’s allies at the anti-tax Club for Growth too registered paperwork to get a Green candidate on the ballot, but they immediately abandoned the national efforts. For their character, the nation Green Party put out the following statement that blamed how “Republican and conservative efforts to qualify the Green Party” could “very well lead to a number of ‘FALSE’ campaigners passing as Green for US House and Senate races.” However, Green candidates did end up filing for House and Senate, as well as for governor.

House

* Colorado: Tuesday was the deadline to file signatures to appear on Colorado’s June 30 primary ballot, but it will be a while before we have a list of competitors. That’s because the state admits candidates to contact the ballot either by turning in petitions or by competing at their defendant gatherings, a process we explain here. The secretary of state likewise needs to verify any application signatures, which can often take some time.

Both major parties’ state assemblies, also known as party assemblies, are currently scheduled for April 18, while congressional territory patterns are adjusted for March and April( the Republican planned is here, while the Democratic list of appointments is here .) State lawmakers recently passed a principle that allows these gatherings to take place online, but it’s not clear yet if the schedule will end up changing for any of these events.

* FL-1 9: Businessman Ford O’Connell announced this week that he was flatten out of the GOP primary for this open seat.

* I-A0 1: The NRCC is out with an early March survey from Public Opinion Strategies that evidences Democratic incumbent Abby Finkenauer narrowly guiding Republican district Rep. Ashley Hinson 45 -4 4. The only other ballot we’ve seen of this competition was a mid-January survey from another GOP firm, Harper Polling, that had Finkenauer up 44 -4 0.

* NM-0 3: Over the weekend, onetime CIA agent Valerie Plame secreted a mid-February poll from ALG Research that showed her onward in the June Democratic primary for this open seat with 21% of the vote. Attorney Teresa Leger Fernandez, who won the party convention after this ballot was made, was in second with 11%, while First Judicial District Attorney Marco Serna made third place with 7 %.

Election Result Recaps

* San Bernardino County, CA Board of Supervisors: GOP Rep. Paul Cook announced last year that he would retire from his safely red House seat in order to run for the San Bernardino County Board of Supervisors, and that decision seems to have worked out quite well for him. Most referendums have been weighed from the March 3 nonpartisan primary and Cook currently is taking 65%, which is well above the majority he was required to win outright. Cook’s term on the Board begins Dec. 7, about a few months before his congressional term expires, so he’ll likely be renouncing from the House early.

While it may seem strange that Cook decided to give up his seat in Congress run for local power, this wouldn’t genuinely be a step down for him. San Bernardino County overseers earn a wage comparable to U.S. House members, and they likewise enjoy a much shorter commute. Supervisors are limited to four four-year calls, though that may not be a drawback for Cook, who will be 77 on Election Day.

And unlike in the House, Republican also still hold the majority of members on the board that governs this province of 2.17 million people, and they’re going to maintain it for at least a few more years. Another Republican, appointed incumbent Dawn Rowe, likewise triumphed outright earlier this month, and because Republicans control the two seats that weren’t up this year, Team Red is guaranteed to hold at least four of the five territories. Control of that fifth seat will be decided in the general election between Rialto Councilman Joe Baca Jr ., who was elected to one term in the mood Assembly as a Democrat in 2004, and Republican Fontana Councilman Jesse Armendarez.

* Orange County, CA Board of Supervisors: Almost all the votes are counted from the March 3 nonpartisan primary, and Republicans have restrained ascendancy of the key seat they needed to maintain a majority on the Orange County Board of Supervisors. As of Wednesday evening, Republican incumbent Don Wagner leads Democrat Ashleigh Aitken 52 -4 8, a margin of over 7,000 polls. Election officials reported that there were less than 1,100 ballots left to tabulate countywide, so Wagner has won a four-term outright.

However, Democrat do at least have a chance to score a pickup this fall that would applied them within striking distance of taking authority of the Board of Supervisors in 2022 for the first time in living memory. Republican incumbent Andrew Do took really 42% of the voting in the primary, and he’ll take on Democratic Westminster Councilmember Sergio Contreras in November: Contreras and two other Democrats made a blended 58% of the voting rights, while Do was the one Republican on the ballot. If Do loses, Republicans would have just a 3-2 majority going into the 2022 cycle.

abbyfinkenauer

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Student Loan Consolidation Guide

Americans owe $1.5 trillion in student loan debt. The average graduate comes out of school with about $30,000 debt.

With a legal, medical, or other advanced degree, the debt can could easily hit $100,000-200,000.

Paying that off is not easy for anyone.

Loan consolidations can make things easier. But they also have risks.

Here’s a guide to what student loan consolidation is, how it works for both federal and private loans, and which student loan companies offer the best deals. 

What Is Student Loan Consolidation?

The first thing to know about student loan consolidation is that there are two main types depending on what kind of loans you have, federal or private.

If you have mostly private loans, you’ll probably see student loan consolidation referred to as “refinancing.” There are a lot of potential benefits to refinancing your private student loans, including reducing interest rates and combining several different loans from various lenders into one manageable payment.

Federal student loan consolidation is a bit different, these loan consolidation programs only accept federal loans. In other words, you can’t put private loans into a federal loan consolidation program.

Federal loan consolidation is handled by the U.S. Department of Education. Additionally, the goal of federal loan consolidation isn’t always reduced interest rates.

While consolidating your federal loans may lower your monthly payments, you might end up paying a bit more in interest over time. Consolidating your federal loans might also help you qualify for certain federal loan repayment programs.

What If You Have Federal and Private Student Loans?

Many borrowers graduate with a combination of federal and private student loans. In this case, you have the option of combining all your loans, including those serviced by the federal government, into a single private loan.

The federal government only offers consolidation for federal loans. While some private lenders will let you consolidate both federal and private loans.

In a nutshell, you have two options:

  • Consolidate all your loans, federal and private, through a private lender
  • Consolidate your federal loans through the Department of Education and your private loans through a private lender

It’s also important to note that transferring your federal loans to a private lender could mean waiving your right to certain borrower protections and programs under federal loan. Most notably, you might lose access to federal student loan forgiveness programs or income-based repayment programs offered exclusively by the federal government. 

How Private Student Loan Consolidation Works

If you have multiple private student loans serviced by different lenders, refinancing could help you reduce your overall interest as well as streamline the repayment process by moving all your loans to a single lender.

Applying for private student loan refinancing is a lot like applying for any other type of loan or even a credit card. When deciding whether to approve you and what interest rate to offer, lenders will consider the following information:

  • Credit score
  • Income
  • Employment
  • Education, including whether you’re still in school or have already graduated 

Your credit score is a big factor in the refinancing process. The higher your credit score, the better terms and conditions, including interest, you can expect to receive. You could get a much better interest rate if your credit score has improved a lot since you originally took out the loans. In this case, refinancing is worth considering and it’ll likely work in your favor.

Once you’re approved for private loan refinancing, your lender will pay off your individual loans. From there, you simply make a single monthly payment to your new lender. 

How Federal Student Loan Consolidation Works

Unlike private lenders, the federal government doesn’t require a certain credit score to qualify for federal student loan consolidation.

If you consolidate, you’ll also get the peace of mind of making just one payment, and you might even end up paying less each month. In some cases, you might be required to consolidate if you want to qualify for certain federal student loan forgiveness programs or income-based repayment programs offered solely for federal loans.

Keep in mind, however, that consolidating federal student loans won’t necessarily reduce your interest. While it can lower your monthly payment, you’ll probably pay more interest in the long run.

Federal consolidation loans also offer a fixed interest rate, which can be reassuring. The government will calculate your interest by averaging the interest rates of all your existing federal loans and then rounding up by one-eighth of 1 percent. For example, if the average of your current interest rates is 6.15 percent, your consolidation interest rate will be 6.25 percent. 

It’s also worth noting that the federal government never charges a fee to consolidate federal student loans. Be wary of any third party companies that charge to consolidate federal loans.  

The Benefits of Consolidating Your Student Loans

Refinancing or consolidating your student loans can offer a number of benefits.

Simplified Repayment

If you have a bunch of different loans, you might feel overwhelmed by the task of keeping track of them all.

When you consolidate, you only have to worry about one payment. Maybe two if you decide to keep your federal and private loans separate. This can help you avoid late or missed payments, which will hurt your credit score.  

Lower Interest Rates

Consolidating or refinancing can lower your interest rate and maybe even your monthly payment. You might also be able to extend your repayment period, which can reduce how much you have to pay each month.

This can free up some resources so you can focus on other financial goals rather than dedicating a large portion of your income to your student loans. 

Avoid Default   

About 1 million student loan borrowers default each year, and some estimates predict that 40 percent of all borrowers will default by 2023.

Defaulting on your student loans can have serious consequences. For one thing, student loans are one of the few debts that can’t be discharged in bankruptcy. If you default, your lender could pursue collection or even a court judgment against you. Armed with a judgment, they can garnish your wages or seize your tax refund.

Defaulting on a loan will also sink your credit score. This can have a domino effect on other areas of your financial life. You might find it difficult to get a credit card, buy a car, rent an apartment, or qualify for a home loan. In some cases, a bad credit history can even hurt your job prospects, as many employers look at candidates’ credit scores during the hiring process. If finances are really tight, it could be worth paying a larger amount over time in exchange for a lower monthly payment right now. That’s definitely a better alternative than defaulting.

The Best Student Loan Consolidation Companies

You have a lot of options when it comes to student loan consolidation. The following lenders consistently rank among the top choices when it comes to student loan refinancing. 

1. Earnest

In business since 2013, Earnest is known for its flexible repayment terms, including the option to extend the repayment period up to 20 years. You can also make extra payments with no penalty, and Earnest doesn’t charge fees for late payments.

One of the biggest drawbacks, however, is that Earnest doesn’t accept borrowers who need a co-signer. If you can’t qualify on your own, you’ll have to work with another lender.

Pros:

  • No hard pulls on your credit, so you can apply without worrying about hurting your credit score
  • Loan repayment periods up to 20 years, which is longer than other lenders
  • Variable interest rates as low as 1.89%

Cons:

  • No co-signer option
  • Not available in Delaware, Kentucky, or Nevada
  • Variable interest option not available in Alaska, Illinois, Minnesota, New Hampshire, Ohio, Tennessee, or Texas

Earnest is owned by Navient, which has come under scrutiny in recent years for deceptive student loan practices. The student loan servicer was sued in 2017 by the Consumer Financial Protection Bureau.

Overall, Earnest receives positive reviews from borrowers, making it difficult to say if Navient’s legal issues have spilled over to Earnest.    

2. SoFi

SoFi was the first private lender to allow borrowers to consolidate both federal and private loans. The company also offers refinancing loans to individuals with an associate’s degree, whereas most lenders require a bachelor’s degree.

Pros:

  • No hard credit inquiries
  • Refinance private and federal loans
  • Parents can transfer parent PLUS loans to their children

Cons:

  • No co-signer option
  • Minimum loan amount is $5,000

SoFi has earned an impressive 4 out of 5 stars out of more than 2,300 reviews on Trustpilot, making it worth a look if you’re considering refinancing your student loans. 

3. Education Loan Finance

Education Loan Finance is a great option for folks that increased their credit score since graduating, have flexibility with repayment, and want a better rate at a well-respected company. You’ll get paired with a loan advisor during your application and the Education Loan Finance has some of the best customer reviews out there.  

Pros:

  • Great customer service reputation
  • Great customer reviews, 4.9 out of 5 stars on Trustpilot
  • Soft credit check when you apply
  • You’ll be assigned a personal loan advisor to walk you through the whole process

Cons: 

  • No postponements if you return to school
  • Limited options for repayments
  • Must have graduated with at least a bachelor’s degree

Check Those Fees

If you’re drowning in student loans and feel like you’re barely managing to keep your head above water, refinancing or consolidating might help you breathe easier by lowering your interest rate and streamlining your payments.

Before you apply, however, do your homework and check multiple lenders. Not only do you want the best rate, you want to avoid unnecessary fees. Read the fine print and make sure there aren’t any hidden fees before you agree to consolidate.

Student Loan Consolidation Guide is a post from: I Will Teach You To Be Rich.