The Chicago Journal

Learn How John Zade, Dermatologist, Treats Skin Cancer While Making Sure His Clients Retain Their Beauty

Self-care and the challenge of good hygiene

Health is one of the most underrated and for-granted things in most of our lives. Many of us do not do the self-care needed to ensure our health is maintained throughout our lifetime. From eating healthy to using good skincare products, the right health choices today will pay off many times over in the future. Poor habits and lack of a skincare routine today will cause many people to regret when the signs of aging begin to show up. One of the most important skincare products to start using at an early age is sunscreen.

Various reasons can cause skin cancer, but sun exposure is a leading cause, and therefore, sunscreen can prevent these cancers from growing. Skin cancer is prevalent worldwide. It primarily affects those with lighter features and those that are more exposed to the sun. About five million people are diagnosed with skin cancer every year. Skin cancer affects nearly one out of every five people. Almost all skin cancers can be cured if detected and treated early. Excision, cryotherapy, Mohs surgery, chemotherapy, and radiation are all options for treatment.

Most of the time, skin cancers start as small moles or raised papules that go unnoticed by most people. This is why it is so important to get your skin routinely checked by a dermatologist. Dermatologists are specifically trained to catch skin cancers early before they spread and cause damage. Many US dermatologists are known for their expertise in Skin Cancer, but one name always comes to the top: Dr. John Zade, MD. Dr. Zade is a board-certified dermatologist, Mohs surgeon, and cosmetic specialist. He studied the skin for years and used his knowledge to create skincare products that function on a molecular level to achieve healthy, youthful, and glowing skin.

Bridging the gap with ZadeM.D.

Because most skincare on the market today lacks science, Dr. Zade created ZadeM.D. Skincare to bring scientifically proven products to the beauty world. According to him, dermatology is one of the best jobs in the world. “I get to take care of patients from young to old, and I see such a variety of cases throughout my day that I never get bored. A single day for me can consist of doing surgery for skin cancer, doing fillers and Botox, and treating acne or rashes. I love building relationships with my patients and helping them on their journey to treat their cancer or get them to their beauty goals. “

Dr. Zade is the author of a medical patent and has co-authored published papers in reputed journals throughout his career. He performs Mohs surgery, the most precise way to treat skin cancer, and has a cure rate of up to 99%. Curing patients’ skin cancer is a significant part of Dr. Zade’s job, and he loves it! Being told you are diagnosed with skin cancer is scary news, especially when you have to get surgery on your face to remove it. For this reason, he performs Mohs surgery in his clinic, which is the most precise way to treat skin cancer. He also performs plastic surgery once he removes cancer to hide any scarring as much as possible. Dr. Zade understands how stressful these cases can be, and his ability to communicate the situation and advice towards the best possible solution is exceptional. He discusses every step of the treatment process and how he will treat his patients.

Humanitarians like Dr. Zade are nothing but a blessing in such an egoistic society. His experiences have helped thousands of people recover from various kinds of skin diseases and regain their confidence. He prioritises and never compromises someone’s appearance. He treats skin cancer while making sure his clients retain their beauty.

Diving into some of the most influential zombie films in horror

With modern horror, the zombie genre is among the most anticipated genres in entertainment today, whether it’s film or series.

The Walking Dead rejuvenated the genre, and its success (both comics and series) was primarily built on the foundations of George A. Romero’s works.

Here we will focus on the films that made the zombie genre a favorite among horror fans.

Note: The following article focuses on the mysterious nature of the zombie apocalypse. Movies about viruses, like 28 Days Later, are excluded.

Night of the Living Dead (1968 and 1990)

The modern zombie genre wouldn’t have existed without George A. Romero and John Russo.

Night of the Living Dead was a groundbreaking film that changed the media’s perception of zombies.

Before Romero, zombies were often associated with voodoo and Haitian witchcraft.

It was this film that created the way zombies are today.

Night of the Living Dead is also iconic for casting Duane Jones (an African-American actor) as the lead during a time of civil unrest and rampant racism.

Both films follow a group of people trapped on a farm in rural western Pennsylvania.

The group is tasked with surviving a growing horde of flesh-eating ghouls at night.

While George A. Romero directed the original, the 1990 remake was directed by Tom Savini, who assisted with the original’s special effects.

Savini’s version largely follows the same script but makes changes, following some of Romero’s original plans.

The Return of the Living Dead (1985)

Return of the Living Dead is the zombie movie that first used the classic “Brain!” line in parodies, cartoons, and games.

Although the film is titled “The Living Dead,” it is in no way related to the work of George A. Romero.

Instead, it was written and directed by legendary screenwriter Dan O’Brannon.

Return of the Living Dead is a horror comedy about warehouse workers, a gravedigger and a group of punks grappling with a horde of brain-hungry zombies.

In a nod to the movie Night of the Living Dead, warehouse workers accidentally open a barrel containing a zombie allegedly from the movie.

After the body is burned, the gas pollutes the air, causing toxic rain that revives the dead in a nearby cemetery.

Dawn of the Dead (2004)

Before starting the DCEU, Zack Snyder made his directorial debut with a remake of George A. Romero’s Dawn of the Dead.

Dawn of the Dead deviates from the original story but keeps the plot of a group of people trapped in a mall.

Snyder’s remake also brought running savage zombies back into the mainstream (Return of the Living Dead was one of the first to do so).

Shaun of the Dead (2004)

Shaun of the Dead, released the same year as the Dawn of the Dead remake, puts zombies in a mix of romance and comedy.

The film pays tribute to the works of George A. Romero (who loved the film).

Shaun of the Dead also continues Romero’s tradition of making a film with social commentary and using satire to tackle modern life.

Braindead (1992)

While zombie movies usually bring blood and guts, Peter Jackson took things to a new level.

The film follows a young man living with his opinionated mother, who is bitten by a rat-monkey hybrid from Skull Island (Jackson’s homage to King Kong before he directed the remake).

Despite being resurrected as a zombie and turning a handful of people, the man tries to keep his zombified mother a secret while he takes care of his family and his love life.

Braindead is one of the bloodiest films in the zombie genre, if not the bloodiest.

Land of the Dead (2005)

One of George A. Romero’s last three “dead” films, Land of the Dead, was originally the concept he planned for 1985’s Day of the Dead.

The success of Snyder’s Dawn of the Dead gave Romero the momentum needed to make this film.

Land of the Dead revolves around a group of survivors in Pittsburgh, Pennsylvania, where a social divide exists.

The film also shows the evolution of Romero’s zombies from carnivorous spirits to creatures with some form of intelligence.

Dawn of the Dead (1978)

The Night of the Living Dead sequel, Dawn of the Dead, offers everything a horror fan could want.

Romero has involved horror, action, social commentary, and even comedy, making Dawn of the Dead the most comprehensive zombie movie.

Dawn of the Dead expands into Night of the Living Dead, revealing that the zombie apocalypse has taken place across the country.

In the film, a group of four manages to take a helicopter and take refuge in a shopping mall.

Having secured the ground, they fall into a false sense of comfort as the living and the dead wait outside.

Multifaceted Artist Johnnie Spencer Shares His God-Given Talents To The World Through His Music

With God’s grace, talented writer, author, composer, musician, singer, producer, photographer, videographer, and graphic designer Johnnie Spencer is setting his sights on establishing his remarkable brand. Fueled by his passion and his unwavering faith, Johnnie is one to look out for as he manifests his destiny in the music industry as one of the world’s most celebrated artists.

Johnnie Spencer is a multifaceted artist who has been blessed by God with the gift of creativity. As one who embodies the tenets of peace, prosperity, and reform, the up-and-coming creative hopes to spread his message of positivity to the world in light of the many tragedies the world is currently facing. 

Johnnie does all of his work through the Lord’s unquestionable guidance. With his uncanny ability to create life-changing music, he is on a mission to usher in a brighter world for everyone. His company Bright N Morning Star Productions Worldwide has steadily built a reputation in the music industry through his genuine personality and the power of his faith.

In a recent interview, Johnnie Spencer said, “It is my mission to respect all persons, reinforce the feeling of hope that’s been lost, and help reignite the faith that’s been missing among people who need encouragement, whether that encouragement comes from the music God has inspired me to make or through the encouraging content God has inspired me to post on my social media.”

Johnnie Spencer owns his brands and businesses and constantly grows his ventures throughout his esteemed career. He has garnered a following on social media for posting encouraging content that inspired many people. In addition, the versatile musician and producer is known for creating music that can deeply resonate in the hearts of his audience.

Much of Johnnie’s success can be attributed to his powerful spiritual conviction, unwavering faith, and God-given gifts and talents. Johnnie knows deep in his heart that he is a tool created by God, who has been called, chosen, anointed, and used for God’s glory, purpose, and plan. His commitment to creating his music is deeply motivated by this passion, and the music God gives him in his dreams. 

Johnnie Spencer owes his musical gifts and talents to the Lord, and with this guiding principle, he is navigating the music industry with great success. Crafting inspirational tunes and encouraging music, he uses his songs as a powerful vehicle of self-expression that will ultimately help people no matter what they go through. 

Johnnie’s foray into the world of music was not easy, but by the divine powers of God, he has managed to overcome every challenge that has come his way. Johnnie does not see other songwriters, musicians, singers, or producers as his competition. Because he can occasionally be his own worst enemy, he only competes with himself. He only cares about doing God’s will so he can reach greater heights through his music.

Ultimately, Johnnie Spencer envisions himself as a vessel of God who can inspire, motivate, and encourage his audience. He wants everyone to know that encouragement is coming so be ready to embrace it because the darkest days are all in the past. Johnnie is doing God’s work here on Earth, and he is making the world a better place, one song at a time.

Here’s How You Can Head-Start Your Influencer Career on Social Media | SMG Viral

In recent times, influencer marketing has surpassed all the traditional media tactics and has become a mainstream marketing phenomenon. It is no secret that social media has become an integral part of our lives regardless of demographics and psychographics. This provides more room for any influencer to become popular. Even the large conglomerates and renowned brands are opting for influencer marketing to spread the word to their target market instead of going for traditional means. In short, these days, there is great scope for influencers to make it big through social media. 

We are all aware of the fact that the online presence of any influencer makes a lot of difference. Every model or influencer who wishes to be successful relies on social media. And rightfully so, because the power of social media is enormous; it allows influencers to connect and engage with their audience. However, many don’t get enough time to do so. Hence, influencers hire the services of social media marketing agencies to do the job for them. One thing is sure that being famous on social media has its pros and cons. Sometimes, there is a lot to handle, such as content creation, SEO, and post-editing, not to forget constant engagement with fans or customers. This is where social media marketing agencies like SMG Viral step in. With their unique set of skills and techniques, they guarantee success. 

SMG Viral deals with over 250 million active audiences, which makes them one of the top social media marketing agencies. The company showcases its clients’ profiles internationally and assures a stress-free experience by understanding the nitty-gritty of their social and business life. Their millions of users is where it all starts, resulting from a combination of independently owned websites and long-standing relationships with some of today’s most prominent social media pages. SMG Viral can boost your profile like no other. They are proficient in maximizing their clients’ revenue streams across all platforms by utilizing their potential audience.

The social media marketing agency operates tons of social media pages and is famous for tailoring different content styles for various platforms. The experts create engaging content according to their customer’s tone and personality. Besides that, SMG Viral is known for its unique strategies, including website marketing, affiliate channel marketing, and over a hundred media accounts to promote its potential clients. Each social media channel requires specific content as the audiences differ from one platform to another. The proficient team at SMG Viral matches content with the preferences of its audience to achieve maximum attention across the globe. The company takes pride in getting 80% of social engagement in one go.

Though they have been a successful marketing company for e-commerce sites for years, a few years back, the team decided to switch to a more compatible market and ventured into influencer marketing. The idea was to stretch their limits to a whole new arena of online marketing, and the results were astonishing. Once they focused on influencers, they started to take over the market with their best research, campaign creation, and data cultivation tactics. The experts at SMG Viral handle the mass loads of messages to make interaction possible between the fans and the influencers. This ensures rapid growth and maximum profitability for fast-paced industries that seek social media for marketing purposes. 

When it comes to engagement, their strategies work in two ways. One is posting on new pages, and the other is uploading accurate and authentic content. There is a high fluctuation in the fashion market which frequently changes the trends; however, SMG Viral makes sure to cover all aspects because they realize that engagement is only possible when relevant content is posted. They are updated with the latest trends and tend to merge them with their clients’ social media content, which is timely, accurate, and connects with the masses instantly. 

SMG Viral gives the perfect social media engagement experience to struggling influencers and models by showcasing them in a positive light in front of their potential audience. If you are one of the aspiring influencers facing difficulty keeping up with all that interaction on social media and want to stand out from the rest, get in touch with SMG Viral for a stress-free social media marketing experience. They will take care of your content, edits, posts, and interactions without you having to invest more time. According to the agency, posting the right content not only gets engagement, likes, and comments but can also make you a superstar in no time.

Microsoft Office to get a rebrand after almost three decades

Microsoft Office has proven to be the best choice for office work for decades, but it is now being rebranded.

After more than three decades, the software suite is changing its name and icon in November.

The announcement

Bill Gates introduced Microsoft Office to the world all the way back in 1988.

Since then, it has undergone many changes over the years, including removing the Clippy assistant, which divided users.

According to Microsoft, the company thinks it’s time for a rebranding with a new name, icon, and look.

The website wrote:

“Over the last couple of years, Microsoft 365 has evolved into our flagship productivity suite, so we are creating an experience to help you get the most out of Microsoft 365.”

“In the coming months,, the Office mobile app, and the Office app for Windows will become the Microsoft 365 app, with a new icon, a new look, and even more features.”


Microsoft’s changes will arrive next month, and will be the first to go through rebranding.

The Office app for Windows and Mobile will be rebranded in January 2023.

However, the names of individual programs such as Word, Excel, and PowerPoint remain the same.

Microsoft assured customers that their accounts would not be affected by the changes.

The company said an update would only change the icon and name automatically.

Microsoft also announced that the Microsoft Office brand isn’t going away anytime soon.

The software suite continues to offer one-time purchases of the Office suite through Office 2021 and Office LTSC subscriptions.

Time and technology

The Microsoft Office rebranding announcement came months after the company shut down Internet Explorer.

The web browser has been around for nearly 30 years.

Although it has been revised in recent years, Internet Explorer was once loved.

It arrived in the mid-1990s as part of an add-on package for Windows 95.

For years it has been the most popular web browser, as 95% of people online used it to access the internet in 2003.

However, newer, more innovative and faster browsers soon emerged, eclipsing Internet Explorer.

The last update was in 2013, before Microsoft replaced the browser with Edge in 2015.

In June 2022, Internet Explorer joined Clippy and Power Pup in its complete retirement.


Microsoft Office is getting renamed after more than 30 years

Housing for domestic violence survivors continues to evade Oregon

Domestic violence continues to plague households, and victims are given very little comfort as finding a place to escape has been one of the biggest problems.

In Oregon, domestic violence service providers have highlighted the need for shelters to accommodate those fleeing their abusers.

Jayne Downing, executive director of the Salem Center for Hope and Security, said:

“The housing crisis has really had an impact on victims and survivors of violence. Being able to access housing can be incredibly difficult.”


The Oregon Alliance to End Violence Against Women collected data and found that between June 2021 and July 2022 in Oregon, 6,610 service requests were not met.

In the same window, 90,914 calls for help were made to service providers nationwide. Only 5,245 survivors were housed and provided with emergency shelters.

Meanwhile, a day-long national survey of domestic violence providers in Oregon found that as of Sept. 9, 2021, 1,100 victims and survivors had sought help.

They then received services.

Of the service requests, 622 were able to find emergency shelters.

The investigation also revealed that on that day alone, there were 127 unfulfilled service requests, 80% of which were housing issues.

The weight of the calls

For many, inciting domestic violence is a matter of life and death.

A survivor and mother of two told her story in Spanish. For security reasons, you have asked to remain anonymous.

“I remember when I left, I was desperate and thought, ‘Wow, I will need to sleep on the streets,’ I’m homeless, so I started calling,” she recounted.

The survivor said her life was in danger as she left with her three-month-old baby and 24-year-old daughter.

She was able to get help through Northwest Family Services in Clackamas County.

“They helped me so much,” shared the survivor.

“I have rent covered; I’m looking for work; and my daughter already has a job.”

Housing assistance for victims

Three years ago, during the 2020 legislative session, the Oregon Legislature approved $6 million for victims of domestic violence across the state.

The decision marked the first time that Oregon dedicated funds specifically to housing Oregon’s domestic violence service providers.

The money should cover everything from rent to credit repairs, security deposits, or emergency hotel accommodations.

“They are all facing being able to figure out ‘where do I go,’ ‘how do I access that housing,’ and then ‘how do I have the funds’ – very often, they are dependent on their partner,” said Downing.

This year, supporters are calling on lawmakers to renew the $6 million in funding.


Housing crisis affects those fleeing domestic violence in Oregon

US gas prices to suffer another increase edging to $4

Although gasoline prices have only recently fallen, they are expected to rise in the United States and could reach a national average of $4 per gallon.

Despite the disturbing news, there is a bright side as prices are unlikely to stay there for long.

In areas where they are high, gas prices are already falling.

Gas prices

On Monday, the national median price for a gallon of regular gasoline was $3.92.

The price is up 12 cents over the past week and 24 cents since ending the 98-day price decline late last month.

The increase is partly due to OPEC+’s cutting production down by 2 million barrels per day to raise prices.

In the United States, the high prices are due to reduced refining capacity, as several West Coast refineries were previously out of service due to accidents or maintenance.

According to Tom Kloza, global head of energy analysis at OPIS, nearly 18% of the country’s refining capacity was offline when OPEC announced the cut. OPIS tracks gas prices for AAA.

With refineries coming back online, gas prices on the west coast of the United States are already falling.

Price drops

According to AAA, prices in California, which account for nearly 10% of the country’s gas consumption, fell 5 cents last week.

However, at $6.33 per gallon, the state still has the highest average gas price in the United States.

Oregon has the third highest price after California and Alaska, but prices also dropped 10 cents to $5.53 a gallon.


“East of rockies prices have been rising,” noted industry analyst Andy Lipow.

“But west of Rockies, the prices are already falling now that the refinery outages are ending.”

Lipow speculates that the national average is close to the peak in the short term.

This week’s average is also expected to hover between $3.95 and $4 a gallon before it starts to drop again.

Andy Lipow said that prices east of the Rockies are likely to follow western prices and start falling next week.

By Halloween, he thinks the national average could drop to $3.80 per gallon.

Prices across the United States

About 25% of the 130,000 gas stations in the United States currently sell regular gasoline for $4 or more.

The numbers are down 15% since the end of last month’s price drop.

Thirteen states currently have national averages above $4 per gallon, including:

  • Alaska
  • Arizona
  • California
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Michigan
  • Montana
  • Nevada
  • Utah
  • Oregon
  • Washington


According to Lipow, the OPEC+ cut is already priced at current prices, so oil traders will be “looking ahead to demand.”

Demand is likely to suffer from rising recession fears that have increased in the United States and around the world.

Recessions typically reduce demand because fewer people have jobs to commute to and consumers limit overspending.

Gas is a necessity that consumers buy, regardless of price, in what economists call an “inelastic” good.

However, Lipow pointed out that consumers are driving less after the US average price hit a record high of $ 5.02 in mid-June.

Consumption dropped by nearly 6% a month later.

He added that winter heating bills, which will be higher than last year, will likely lead to even greater reductions.

Andy Lipow also noted that homeowners don’t see the monetary value when adjusting their thermostats.

“But at the gasoline pump, you do see the price, and you can decide to cut back on what you spend.”


$4 gas could be coming – again

Experienced voice actress Tara Strong takes a shot at Hollywood’s casting

Hollywood has brought iconic cartoons and video games to the big screens, but voice actors and actresses have been overshadowed by the biggest stars.

In recent years, Hollywood has made a habit of replacing some iconic voices with big names.

Tara Strong, a well-known voice actress, has criticized the latest Super Mario film for not handing the Mario role to her voice actor in the game, Charles Martinet.

The Super Mario Bros. Movie

The Super Mario Bros. Movie is a collaboration between Nintendo and Illumination, the animation division of Universal Pictures.

Announced in 2018, the film stars Chris Pratt as the iconic video game character.

Pratt is joined by Jack Black as Bowser, Anya Taylor-Joy as Princess Peach, Charlie Day as Luigi, and Seth Rogen as Donkey Kong.

The original Mario voice Charles Martinet is still part of the Super Mario movie, but his role has not been revealed to the public.

Tara Strong

Tara Strong is one of the most famous voice actresses in animation and video games.

She is best known for lending her voice to The Powerpuff Girls, The Fairly Oddparents, Teen Titans, and more.

Strong posted a photo of her on Twitter with Martinet holding an illustration with the caption:

“It should be Charles.”

Although Tara Strong did not say it specifically, she believes that Charles Martinet should be offered the role of the character he has played since 1992.

She followed up with another tweet, criticizing Hollywood’s trend of using big names instead of veteran voice actors.

“Voice actors- I’m gonna put up my heart & soul in this for at least 20 years, help sell billions in merch, make the studio millions of dollars, & make generations around the world happy,” she tweeted.

“Hollywood- We don’t care.”

Charles Martinet

The day after her tweets, Tara Strong posted a tweet inviting people to share their favorite photos and stories with Martinet.

Moved by the love from fans, he replied:

“I love your Tara! Thank you so much! Thank you everybody!”

“Your love and kindness mean more than you could ever know, and genuinely touched my heart,” Martinet added.

“My little eyes seem to be leaking today… with tender affection. Thank you…”

Tara Strong’s final thoughts

Tara Strong’s tweets quickly gained ground, but some spoke strongly about the short clip of Pratt’s performance as Mario.

One person insisted that people were too hard on the Guardians of the Galaxy actor from the two lines of dialogue in the trailer.

They also claimed that Martinet had been assigned the part, but declined as it would have been too exhausting for him to dub an entire film.

“Literally not one thing about your tweet is true,” Strong responded.

“No one should be judging Chris, he’s a fantastic actor…this is only about what’s right & Charles should have been offered the role.”


Tara Strong comments on Chris Pratt’s casing in the Super Mario movie: “it should be Charles”

Chicago set to lose Tyson Foods among other companies as they leave for a new headquarters

Companies with offices in Chicago have moved offices, and Tyson Foods is the latest company to join Boeing, Caterpillar, and Citadel.

The announcement

On Wednesday, the poultry producer announced it would be reuniting its employees at Arkansas, Tyson Foods’ global headquarters.

As a result, three offices in downtown Chicago, Downers Grove, Illinois, and Dakota Dunes, South Dakota, will be closed.

More than 1,000 employees will begin the move early next year, where they will work in three offices.

Tyson Foods CEO Donnie King released a statement saying:

“Bringing our talented corporate members and businesses together under one roof unlocks greater opportunities to share perspectives and ideas, while enabling us to act quickly to solve problems and provide the innovative products solutions that our customers deserve and value.”

Chicago crimes

Losing Tyson Foods will be another blow to the city of Chicago.

The city has already built a reputation for its crime, something McDonald’s CEO Chris Kempczinski has criticized.

The headquarters of the fast food chain are currently in Chicago.

Kempczinski recently claimed that crime is spreading to all corners of the city and revealed that people often ask him what’s going on in the city.

Speaking to the Chicago Economic Club last month about the plight of the city, he said:

“We have violent crime that’s happening in our restaurants… we’re seeing homelessness issues in our restaurants.”

“We’re having drug overdoses that are happening in our restaurants.”

“So we see in our restaurants, every single day, what’s happening in society at large.”

Chris Kempczinski said recruiting people for the McDonald’s office has been difficult.

“One of the things that I hear from our employees [is] … ‘I’m not sure it’s safe to come downtown.’”

McDonald’s said it would stay in Chicago.

Other companies, however, are more reticent about why they are leaving the city.

Tyson Foods said their move had nothing to do with the Chicago crime.

Other companies in Chicago

Last May, Boeing announced its departure from Chicago in favor of Washington, DC.

However, the company did not contribute to the determination of the crime.

Instead, analysts said the change signaled the company had lost the trade run to Airbus.

They suggested that Boeing primarily wanted to be seen as a defense and aerospace company.

Boeing was based in Seattle for decades, from its inception in 1916 until 2001.

Caterpillar and Citadel also announced they would be leaving Chicago and moving to various locations outside of Illinois.

The construction company was based in Deerfield, a suburb of Chicago.

Tyson Foods

Like other businesses, Tyson Foods had a tough year due to inflation.

The company said demand for chicken was extremely strong while its more expensive cuts of beef were softened.

During the last quarter, the average selling price of broiler chicken by weight decreased while the average selling price of beef and pork increased.

The price drop comes as consumers stock up on some premium cuts.

While consumer demand for meat has remained strong, consumers are switching between meats due to inflation.

Tyson Foods plans to launch new, more affordable options and add new, larger packs for value-seeking consumers.

Meanwhile, the company’s shares are down about 25% this year.


Big companies keep leaving Chicago. What’s going on?

Biden’s student loan forgiveness plan faces lawsuit seeking to block his plan

President Joe Biden’s student loan forgiveness plan faced a significant legal challenge: a lawsuit for alleged abuse of executive power.

The lawsuit

The lawsuit was brought by public interest attorney Frank Garrison.

Garrison said the forthcoming student loan amnesty will force him to pay taxes on the canceled amount, which he prefers to avoid.

The lawsuit is supported by the non-profit libertarian law firm Pacific Legal Foundation, which is also Garrison’s employer.

They filed it with the United States District Court for the Southern District of Indiana.

The cause, which the Department of Education mentions as its defendant, disputes the “unacceptable abuse of executive authority to restore the rule of law and to enforce the Constitution’s separation of powers.”

The student loan forgiveness plan

Biden’s plan would allow individual borrowers who earned less than $125,000 in 2020 or 2021 to write off up to $ 10,000 of their federal student loan debt.

The plan also applies to married couples or to the household heads of families who have gained less than $ 250,000 per year in the same years.

Qualifying borrowers who received a Federal Pell subsidy while they were registered at university are also entitled to a maximum of $ 20,000 to identify the debt.

Those who receive a Federal Pell grant have more opportunities to fight for student debt repayment.

In the meantime, thanks to a provision of the American Rescue Plan Act that Congress adopted last year, the borrowers do not have to pay a federal income tax on the forgiving student loan.

However, Indiana and a few other states can tax forgiven debts if the state’s legislative or administrative changes are not implemented.

Depending on the state, the tax liability can run into the hundreds of dollars.

There has been no debt cancellation since the plan was announced in August.

The first wave of debt cancellation is expected to occur as early as October.

The Congressional Budget Office estimates that Biden’s plans could cost the government $400 billion.

However, they cautioned that the estimates are based on assumptions with uncertainty.

How the plan affects Garrison

Frank Garrison claims he is eligible for up to $20,000 in student loan forgiveness under the Biden plan.

Therefore, he is also subject to a tax liability of more than $1,000.

Garrison is currently pursuing federal debt reduction through the Utilities Ban Program.

According to the lawsuit, he expects the government to write off the remaining balance in just over four years.

Since Garrison will receive $20,000 in loan cancellation before making sufficient payments to qualify for the PSLF program, he will create a tax bill that he would not have received otherwise.

The $20,000 reduction does not change your monthly payment or the total amount of loans you have to repay.

Response to the lawsuit

White House spokesman Abdullah Hasan wrote in an emailed statement that the allegation was unfounded.

“No one will be forced to get debt relief,” he wrote. “Anyone who does not want debt relief can choose to opt out.”

On Tuesday, press officer Karine Jean-Pierre was questioned about the lawsuit during a White House briefing and echoed Hasan’s feelings.

“Opponents of the Biden-Harris administration student loan plan are trying to stop it because they know it will provide much-needed relief for working families,” she said.

What happens next?

The Pacific Legal Foundation asks the court to prevent the government from implementing tenderers.

Luke Herrine, professor of law at the University of Alabama, who has once developed a legal strategy to enforce students’ debt, is skeptical about the success of the trial.

He says that the case depends in part on Garrison’s ability to reject the guidelines for forgiveness for student loans.

“I don’t think this case is ripe,” said Herrine. “A court doesn’t rule on things that may or may not happen in the future.”

Meanwhile, the Department of Education has yet to issue an official statement on the policy.

National Consumer Law Center attorney Abby Shafroth said the lawsuit was “fundamentally flawed.”

She expects the government to offer borrowers the option to forgo debt relief when the program is launched.

“So the plaintiff will not actually be harmed by the student debt relief plan and therefore does not have standing to sue,” said Shafroth.

Biden’s student loan forgiveness plan has also sparked other lawsuits.

Republican Arizona Attorney General Mark Brnovich said he was developing the best legal theory to sue the government.

The Job Creators Network, a conservative advocacy group, is exploring its legal options.

The group plans to file a lawsuit once the Department of Education formalizes its student loan forgiveness plan next month.

Meanwhile, an Oregon resident is representing himself after filing a lawsuit against the plan in early September.

He argued that the cost of debt cancellation would cause the Federal Reserve to raise interest rates to curb inflation, thereby raising interest rates on mortgages.


New lawsuit attempts to block Biden’s student loan forgiveness plan