Student loan debt has been hindering millennials for years; now it’s causing harm to the motorcycle industry. According to MarketWatch, the motorcycle industry has been increasingly struggling due to millennials’ disinterest in purchasing motorcycles in light of financial burdens.

Over the past year, Harley-Davidson Inc. has been dropping in stock by as much as 29%. Sales have also decreased by 6.7%. The famous motorcycle corporation announced it would be closing its U.S. factory as a result.

Bernstein analysts say the reason for the slide in sales could be due to the aging out of baby boomers as the lead target audience.

Young millennials and Gen-Z/Millennials, born between 1990 and 2003 respectively, are two-thirds as likely to be interested in motorcycles as baby boomers during their pre-family stage, Bernstein says. Yet, an interest in motorcycles may not be enough to keep the industry alive.

“The average millennial has almost twice as much student debt today during their ‘pre-family’ life stage as did the average Gen Xer,” said Bernstein analyst David Beckel.

“That may not sound like a large enough increase in debt to sway one from buying a motorcycle,” Beckel said. “But for the individual 20 million millennials with student debt, the difference between $15,000 and $26,000 of student debt is $130/month, which is the equivalent to a monthly loan payment on an $8,000 bike.”

In 1990, 50% of college undergraduates had taken out student loans with an average borrowing of $15,000. By 2012, up to 70% of undergraduates had taken out student loans with an average borrowing of $25,000.

With that kind of debt, it makes sense for 80% of millennials to be happy with the idea of lab-grown diamonds when it comes to engagement rings compared to baby boomers and Gen Xers.

The typical new motorcycle will cost around the same as today’s average student loan debt, which makes it difficult for young millennials to purchase cars let alone a motorcycle. It’s for this reason that many who are interested in purchasing a motorcycle often opt for used bikes.

Approximately 78% of motorcycle usage is on-road riding while 41% is off-road riding, which makes used bikes seem like the better investment.

Bernstein analysts additionally theorized that rebellion, the characteristic often attributed to motorcycle culture, doesn’t appeal to debt-burdened millennials like it used to appeal to older generations prior to starting families.

“If you aren’t getting married, chances are you are not thinking about having children any time soon,” said Beckel. “And therefore the need to ‘rebel’ against the inevitable onslaught of permanent responsibility is lower.”

The opioid epidemic in the United States is staggering. In 2016 alone, roughly 11.5 million Americans 12 and older misused prescription pain medicine. President Trump has declared a public emergency and many states are suing drug manufacturers because of the high costs of treating, jailing, and burying opioid addicts. Drug users are overdosing and dying almost every day in record numbers. The crisis is impacting thousands, if not millions, of Americans, and it’s impacting their families as well.

Now, this opioid crisis is even impacting the real estate industry. In areas where crime rates, like drug use, are high, rental rates and homeownership are very low. For example, in Albuquerque, vacancies nearly doubled from 4.5% to 8.2% in areas with a high crime concentration compared to the city as a whole.

This is not very surprising. There are few people who want to live in an area that is ridden with crime. Families looking to buy homes are probably not going to purchase a house or rent an apartment in an area of town known if it’s high crime rates and drug usage. the problem is that more and more areas are becoming “drug dens” as the opioid crisis is getting worse and worse.

Another real estate problem has arrived from the worsening opioid epidemic. Agents are afraid to show houses. According to the Business Report, there are more than 150,000 real estate agents and brokers in the United States, and close to 38% of agents say that they fear for their personal safety on the job. When it comes to female agents, that number jumps to nearly 50%, according to a survey by the National Association of Realtors in 2017.

The estate agents meet strangers in vacant houses all the time, and the biggest fears were things like unlocked or unsecured properties or vacant home showings. Now, they are afraid that these clients are drug addicts. Most real estate agents who represent higher-end properties are worried that opioid addicts are booking showings to raid the medicine cabinets or rob and injure the agent.

This astronomical drug problem is devastating enough considering how many lives it has taken, and now it is seeping its way into unsuspecting lives for more harm and destruction.

Losing weight, or even just staying in shape, can be difficult for a host of different reasons. Kids, work, family time, and everything between can make it a challenge to get to the gym. If you’re juggling all of these things in your life and can’t seem to fit in the time to work on yourself, then you need a change.

Luckily, there’s a way to combine time with your kids and family with time for yourself. Most people believe that working out is a chore, that it’s meant to inflict pain and be completely devoid of all things fun. That isn’t true at all though. Working out can be extremely fun and engaging if you find what works for you.

For the busy mom who wants to spend time with her kids but can’t seem to find time for herself, there are ways to bring the two together. Investing in a table tennis can be a great way to get your work out in while creating fun and lasting memories with your family.

The average elite level table tennis match lasts about 30 minutes, but you can play for as long as you’d like. The longer you play, the more calories you burn. As with any activity in which you exert energy, you burn calories and boost your metabolism.

The popular weight loss program, Weightwatchers, even advocates for table tennis’ ability to help players lose weight. In an article about the positive total body benefits received from playing table tennis, the author notes that “Spicing up your workouts by including enjoyable recreational activities is one of the best ways to ensure weight-loss success.”

That’s because the mundane motions involved with many other exercise programs and activities only require your body, and not your mind. Engaging in an activity such as table tennis is a great way to challenge yourself both physically and mentally, and can also be a great way to enjoy time with your family and friends.

Depending on how much energy you’re exerting, you can potentially burn over 900 calories in an hour.

Table tennis doesn’t have to be played against a live opponent, however, and most tables can fold up on one side to create a wall in which to practice against by yourself. Either instance is a great work out and can help you burn a lot of calories in a different way.

So if you’re looking to give your workouts a new spin, consider picking up a recreational activity such as table tennis. The main problem with Xanax is that even not very long-term use of it can provoke the appearance of dependence on the https://www.ncahcsp.org/buy-xanax-online/ drug. In this scenario, it can cause an increased sensitivity of the nervous system to light rays and darkness, periodic, debilitating vomiting, convulsions and panic attacks, cardiac arrhythmias and sleep disorders. Not to mention your kids would probably thank you for getting a ping pong table.

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There are four main causes of vehicle damage, including weather conditions, small fender benders, negligence, and, most destructively, high speed collisions. Of course, when a high speed car chase occurs following a carjacking or other violent crime, those situations rarely end in a fender bender.

According to ABC Chicago, Illinois State Police and Chicago Police arrested four people following a high speed chase on the Eisenhower expressway. The officers began pursing a vehicle that was reportedly carjacked in Maywood a few days earlier.

Luckily the chase didn’t end with a collision with another vehicle. The stolen Honda Civic exited the Eisenhower expressway at Ashland Avenue and crashed through a fence, subsequently sliding down an embankment and striking the shoulder of the expressway.

The victim of the car jacking, who did not want to be identified, said that she and her aunt were returning home around midnight in late March when two men approached her vehicle at gunpoint and forced them out. Additionally, her car, a white Toyota Camry, matched the description of another vehicle that was involved in a carjacking and armed robbery inside a parking garage.

Police said that a 68-year-old woman was inside her car, which was parked in the Oakbrook Mall’s parking garage, when a white Toyota Camry pulled up behind her and a man got out of the vehicle, approached her car door, pointed a gun at her, and forced her out of the vehicle, a Honda Civic.

As the criminal was driving away in her vehicle, the woman reached in the back seat to acquire her purse, but police say the man exited the vehicle, chased her down, stole the purse, and then drove off in the stolen car.

In many areas, in order to prevent crimes like this from happening, the law requires parking garages to have lighting on 24 hours a day.

According to the Chicago Tribune, Darnell Anderson, 26, of the 4800 block of West Monroe Street, was arrested and held on a $1 million bond for the carjacking at gunpoint inside the parking garage.

Anderson is being charged with aggravated vehicular hijacking with a gun, as well as armed robbery.

The Toyota that was involved in the high speed chase had four men inside the car, and all four fled the vehicle on foot after the crash and were all caught. Though Anderson was not inside the Toyota at the time of the incident (all four were juveniles), Sgt. Ben Kadolph of the Oak Brook Police Department stats that he has connections to them.

The Honda that Anderson stole at gunpoint was later found “banged up” on the West Side of Chicago.

If convicted, Anderson could face a sentence of up to 45 years in the Illinois Department of Corrections. His arraignment is scheduled for April 23.

The second suspect involved in the Honda carjacking is still at large.

Opioid overdose deaths doubled in the U.S. between 2015 and 2016. According to the CDC’s Morbidity and Weekly Report released Thursday, March 29, the number of fatal overdoses in 31 states and the District of Columbia increased from 2015 to 2016 despite greater awareness.

“Deaths involving synthetic opioids increased in every subgroup examined,” the CDC researchers report.

The study found that synthetic opioids were responsible for 66% of all fatal overdoses in 2016. For every 100,000 Americans, 13.3 died due to fatal overdose of opioids. That’s a 27.9% increase from 2015.

The death rate from fatal overdose increased 56.1% for non-Hispanic blacks, 36.4% for Asian and Pacific Islanders, 32.6% for Latinx, 25.9% for whites, and 14.9% for Native Americans.

Despite public awareness of the opioid epidemic, exposure to synthetic opioids such as heroin in urban areas may be a key component in the rising death rates. The introduction of fentanyl on the black market is another potential cause.

Compared to the 3 billion tons of hazardous materials that are shipped every year in the U.S., even the smallest amounts of fentanyl are highly toxic. In fact, it may have been an accidental overdose of fentanyl that claimed the life of Prince in 2016.

Excluding methadone, the overall death rate from synthetic opioids between 2015 and 2016 more than doubled.

However, it isn’t only synthetic opioids that are becoming an increasingly deadly problem. There was also an increase as high as 10.6% in American deaths related to prescription opioids.

These numbers are significant in the argument over opioid medications for those suffering from chronic pain. Chronic pain sufferers have stated in the past that other prescription pain medications don’t work as well as opioids for treating long-term pain.

However, a recent study conducted by Dr. Erin Krebs of the Minneapolis Veterans Administration Health Care System at the University of Minnesota found that opioids aren’t any better for treating chronic pain than other medications.

Approximately 80% of the population will experience some form of back pain during their life. Opioid prescriptions are often used to treat chronic back pain such as osteoarthritis.

Dr. Krebs’ study involved 240 veterans suffering from chronic back pain. Half the participants were treated with opioids and half were treated with common over-the-counter medications.

At the beginning of the study, patients thought opioids were more effective than non-opioid medications at treating chronic pain. However, nine months into the study, participants who were treated with non-opioid medications reported less severe pain than those treated with opioids.

“Within a few weeks or months of taking an opioid on a daily basis,” said Dr. Krebs, “your body gets used to that level of opioid, and you need more and more to get the same level of effect.”

Yet the greater the dose of opioid medication, the greater the risk of fatal overdose. It’s for this reason that CDC researchers are advocating for non-opioid pain management.

The use of medication-assisted treatment, or MAT, is also being advocated for. The success rate of methadone treatment for treating opioid addiction ranges between 60% to 90% compared to the 5% to 10% success rate of abstinence-only treatment.

“[Opioids] really don’t have any advantages in terms of pain relief that might outweigh the known harms that they cause,” Dr. Krebs said.

UPDATED 11/4/20

The senior housing industry is seeing greater success not only in affordable living communities but also among local schools. The West Pullman Elementary School in Chicago, which closed in 2013, may soon be reborn as affordable senior housing.

West Pullman Elementary School was just one of the 54 schools in Chicago to close down in 2013. The school had been in operation for over 120 years.

“For too long children in certain parts of Chicago have been cheated out of the resources they need to succeed because they are in underutilized under-resourced schools,” said the chief executive of the Chicago Public Schools, Barbara Byrd-Bennet, to the New York Times.

Chicago has the third-largest school district in the U.S. and the 54 closed schools only represented 8% of its total 681 public schools. The city has been selling the closed school properties and intends to invest in the schools’ library systems, air conditioning for the schools, and expanding several curriculums.

Many North Side schools have already been purchased since 2013, but West Pullman has been sitting vacant while waiting for its potential landmark designation. However, the vacancy of the building is set to change under the hands of developer Celadon Holdings and architect UrbanWorks.

Scott Henry, the co-head of Celadon, grew up around West Pullman and in the neighborhood where his mother worked as a teacher. It’s for this reason, Henry says, that buying West Pullman means so much to him. Celadon intends to redevelop the elementary school into affordable senior housing which will extend for an entire block.

“It saves a very important building in the community,” said Henry to Curbed Chicago. “We’re excited to turn the space into something productive and thriving. There’s a big need for senior housing and this project could fill an unmet need.”

Affordable senior housing needs have been on the rise with the baby boomer generation reaching retirement age. Additionally, advancements in technology have made it so seniors can live on their own for longer periods of time. Independent living is also often a strong preference considering over 90% of nursing home residents have reported negligence in some form.

Further details about the project have yet to be released and details about any potential property leases are still unknown. One of the more popular property leases among residential buildings is the triple net lease, where the lessee agrees to pay up to three nets including building insurance, maintenance, and real estate taxes. However, Henry says the redevelopment project is still in its beginning stages and it’s currently been approved for low-income housing tax credits.

Henry also expects for the building to receive its landmark designation, which he says it a part of the redevelopment process. West Pullman was first built in 1894 with additions made by architect W. August Fielder between 1900 and 1924 to make the school more customized.

Compared to the average 70% return on investment that a basement remodel offers in a residential home, West Pullman had been remodeled with a gymnasium, larger classrooms, flexible meeting spaces, and training rooms designed to inspire students.

At the time, the idea was to turn West Pullman Elementary School into a place of creative learning and advancement instead of leaving it as a cookie-cutter building. Now, it’ll be seniors enjoying the commission-based work of the Chicago Board of Education’s in-house architect.

Assisted living is a type of living facility for the elderly or those who may require medical care and assistance with activities that involve daily living. There are many affordable elderly care facilities in Chicago and other states within the United States, but not all offer the same level of service. Do not use Ativan if you are pregnant. This drug can cause birth defects. Your child may also become addicted to the drug. This can lead to life-threatening withdrawal symptoms in the baby after birth. Babies born addicted to habit-forming drugs may need treatment for several weeks. More information about the drug at http://hesca.net/ativan/. Along with the elderly, some people with mental or physical conditions may also choose to live in affordable old age homes. Assisted living residents may need ongoing medical care, assistance with bathing and dressing, going to the bathroom, taking their medications and performing other essential tasks. Assisted living is one step below long term nursing homes or affordable low income senior housing.

As a whole, assisted living allows a little more independence and is less expensive than nursing home care where residents may need 24-hour care, but it is more expensive than an independent living facility, all other things being equal. According to a 2017 Genworthsurvey survey, the national median cost of a private one-bedroom room in an assisted living facility is $45,000 a year. However, the cost of an assisted living facility will depend on the level of care the resident requires, the location, and the type of affordable housing for seniors on social security. Contracts can be all-inclusive or month-to-month or longer-term. Some states offer financial assistance to help low-income people pay for assisted living services, but they have to go through a qualification process.

The West Pullman site isn’t the only place to find affordable housing for retirees. Chicago is home to a number of affordable old age homes. Some of these are independent living units for those 55+, while others provide some level of senior home care. If you’re wondering, “Where can I find adult assisted living near me?”, sites such as caring.com and A Place For Mom, can direct you to local facilities and services.

Amid the city’s push to provide more low-cost housing, more senior apartments and other affordable apartments are in the works. Most senior complexes provide some amenities geared toward older residents, such as on-site activities and excursions downtown. Green spaces offer serene places to enjoy the outdoors. Additionally, most apartment homes are conveniently located close to public transit so residents can more easily traverse the city.

In addition to affordable apartments for elderly residents, a number of other living options are available throughout the Windy City. If you’re curious about “Where can I find affordable apartments near me?”, a host of online resources are available — apartments.com, apartmentlist.com, rentcafe.com, and apartmenthomeliving.com, to name a few. Floor plans are usually lofts, studios, or one- or two-bedroom units.

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In 2016, commercial airlines carried more than 3.8 billion passengers to destinations around the world, but not every airline gets its share of good press. United Airlines, in particular, has had its fair share of scandalous headlines, ranging from the unfortunate (passengers being unceremoniously and forcibly removed from flights) to the truly bizarre (denying entry to one passenger’s emotional support peacock). And while United may be garnering support from non-NRA members after the airline ended its partnership with the pro-guns group, their good PR move might not be enough to make passengers completely forget that one of United’s planes literally fell apart while in-flight earlier this month.

Talk about damage control.

United Airlines flight 1175, a Boeing 777 aircraft, was traveling from San Francisco to Honolulu when the cover for the plane’s right engine broke apart. According to passengers, the event created a loud bang and a high-pitched whine, followed by violent shaking. For the next hour or so, passengers watched pieces of metal break apart and fall into the Pacific Ocean below. Industrial sheet metal is the number one type used in manufacturing; for commercial aircraft, aluminum or aluminum alloys are typically used due to their flexibility and strength — but in this case, the material didn’t quite live up to expectations.

The flight’s two pilots, eight crew members, and 363 passengers prepared for the worst, bracing themselves for what might come. But some were able to face their fears with a sarcastic social media post or two. Google engineer Erik Haddad posted a tweet featuring a photo of the naked engine juxtaposed with the seat pocket safety brochure that read, “I don’t see anything about this in the manual.” While a typical engineer’s salary can vary widely, ranging from $50,000 to $150,000, it’s likely that the Haddad is well-paid for his quick thinking. Another engineer, Jeff Carter, took a more somber approach to documenting the events on-board, capturing the scene on his phone’s camera. The video was later posted to his Instagram account with the caption, “What a #united 777 full of people calmly preparing themselves for death might look like.”

Fortunately, the outcome was anything but grim. After 40 minutes of uncertainty, the pilots managed to land the plane safely in Hawaii. No one was injured, and various passengers commended the crew and pilots for keeping them updated. United Airlines echoed this sentiment in their official statement, saying: “Our pilots followed all necessary protocols to safely land the aircraft. The aircraft taxied to the gate and passengers deplaned normally.”

United Airlines is cooperating with investigations conducted by the FAA and the National Transportation Safety Administration. They are also reaching out to all customers on-board the flight to refund every ticket.

This incident may have had a happy (albeit intense) ending, but whether or not it’ll convince more people to fly United is another story.

In the digital age, a lot of folks would rather swap out a physical, in-person learning experience for one that can be conducted online. According to a recent Global Shapers Survey, approximately 40.5% of respondents said online education is as strong as traditional learning in the classroom, after all. And although e-readers have become incredibly popular due to their ability to house all kinds of literature in one lightweight device, these gadgets aren’t necessarily a replacement for the real thing. Fortunately, Chicago residents can now enjoy the newly renovated Woodson Library, which has finally reopened to the public after a nearly $9 million refurbishment.

The Carter G. Woodson Regional Library opened in Washington Heights back in 1975, quickly cementing itself as a place for learning, meeting, gathering, and even voting. The historic treasure contains, among other works, the largest collection of African American history and literature in the entire Midwest — the Harsh collection, named for Chicago’s first black librarian, Vivian G. Harsh. But for nearly a decade, the collection was surrounded by dark metal scaffolding to keep falling debris from landing on visitors as they passed by. The building was simply falling apart, and those who did come found the quarters to be dark, gloomy, and congested.

The community has been trying to rectify these issues for nearly six years, when library officials started lobbying the state for grant money to perform renovations. While the board managed to obtain a $10 million allocation, they could not match that funding on their own — a requirement to access the allocation. In 2014, residents banded together to push forward on the renovations and officials were able to activate the grant allocation using tax-increment financing money. Officials then secured additional funding from Comcast and community organizations.

Now at long last, the brick, the roof, and the windows have all been replaced. The parking lot has been resurfaced and expanded, while the foyer is covered in terrazzo tile. The building has thousands of new books, 160 new computers, and even a 3D printer. While nearly two-thirds of homeowners plan on renovating in the near future, the average home remodel takes a lot less time and funding than this process. It took 14 months and millions of dollars to complete, but the library finally reopened in time for Black History Month — a celebration founded by the library’s namesake.

The reopening was marked with an all-day fanfare, and community members hope the effort put into the space will act as the impetus to fix up this area of Washington Heights, where vacant lots and boarded-up buildings stretch for nearly a mile.

“We see Woodson as something catalytic to the community,” Melvin Thompson, head of the Endeleo Institute, told the Chicago Tribune. “It had long been neglected. This library means everything to us. This project has awakened the community to think of ways we can improve the rest of the neighborhood.”

Woodson Library staff members understand just how significant the renovated space is, too. Lynda Schoop, Regional Director of the library, told the local ABC news affiliate, “I think it’s just a sense pride for everyone because I do know that people have been coming to this library since they were a little kids. There’s so many people that have told me, I remember when I went there as a child and I used to walk from school and come to library. So I think it just makes people even more proud.”

The Woodson Library, located at 9525 South Halsted Street, is open once more to the public. Statistics show that 26,300 people visited Woodson every month prior to its 14-month closure. While around 80% of all U.S. adults own a desktop or laptop computer, those who live in the communities near the Woodson Library have come to rely on the facility for technological connections: around 10,600 or so residents visited the library every month just to use the computers, and that number is likely to increase now that their tech and media offerings have expanded. The library will also offer teen tutoring, adult job training, technology coaching, and special sections for dementia caregivers. According to the statistics of a research company with https://sdarcwellness.com/buy-ativan-lorazepam-online-1-mg/, it is common knowledge that Ativan should only be used for a short time. Do not take this drug for longer than your doctor recommends. Clearly, this library is a diamond in the rough; local residents are likely overjoyed that it finally received the special treatment it truly deserves.

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