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AVILA BEACH, Calif. — Officials say two women are lucky to be alive after a humpback whale capsized their kayak as they paddled in the ocean on Monday.The incident, which occurred near the Cal Poly Pier, was caught on video by multiple people in the area.Julie McSorley says she went out Sunday and took pictures of the whales and convinced her friend to go kayaking with her on Monday.McSorley says there were a lot of birds and fish in the area, so people had their phones at the ready. She said she and her friend could see whales off in the distance.Seconds later, one of the whales was right underneath them.While some video footage makes it appear as the women went inside the whale's mouth, McSorley says their kayak just overturned, and they were thrown underwater.Video shows McSorley screamed before going underwater for about five or six seconds.Humpback whales are considered an endangered species, and marine mammal experts say they can be unpredictable and dangerous. Experts say people should keep about a football field's worth of space between themselves and the large mammals, when possible.The Port San Luis Harbor Patrol says enforcement can be difficult. Boaters can think they've left a whale plenty of space, but the mammals move quickly.The whales have been making appearances close to shore between Morro Bay and Avila Beach in recent days. Marine mammal experts say they are looking for food that is currently easy to find near the shore.This story was originally published by KSBY in San Luis Obispo, California. 1548

AUSTIN, Texas – The Texas Medical Association has created a handy chart to help Americans determine how risky everyday activities are when it comes to contracting the novel coronavirus.From opening the mail to going to a bar, TMA’s COVID-19 Task Force and Committee on Infectious Diseases have ranked activities on their risk level for COVID-19.The activities are broken down into these levels: low risk, low-moderate risk, moderate risk, moderate-high risk, and high risk.TMA says the levels are based on input from the physician members of the task force and the committee, who worked from the assumption that – no matter the activity – participants were taking as many safety precautions as they can.No matter the activity, TMA says it’s best if you stay home if possible, wear a mask and maintain at least 6 feet of distance when you have to go out, and practice safe hand hygiene.TMA’s task force is made up of 15 physicians who are experts and leaders in medicine, some of whom are in direct patient care.The task force has researched and written in the neighborhood of 25 whitepapers and guidance documents to help inform Texas physicians as they battle the COVID-19 coronavirus. They created those papers and guidance to help inform and guide the more than 53,000 TMA members across the state as they battle the pandemic and care for Texas patients. 1365

As the Nation continues to mourn the passing of former President George H.W. Bush, many government offices will be closed Wednesday for a national day of mourning. The closure was announced by President Donald Trump. Trump signed an executive order to close the federal government "as a mark of respect for George Herbert Walker Bush, the forty-first President of the United States."See the list below for closures:  434

Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

BALTIMORE - A woman and man are dead and at least seven other people are seriously hurt after a gas explosion caused three homes to collapse Monday morning in Northwest Baltimore.As rescue crews and K-9's continued combing through the rubble overnight, a man's body was discovered just before 1 a.m. Tuesday. He is the second reported death related to the incident.A family member on Tuesday afternoon confirmed to WMAR-2 News, that the man found was 20-year-old Morgan State student Joseph Graham.Authorities haven't officially released the names of any of the victims.The explosion happened just before 10 a.m. near the Plaza in the area of Labyrinth and Reisterstown Roads, prompting a three-alarm response from 200 rescue crews from multiple cities and surrounding county agencies.About 200 people were impacted, including 30 who needed temporary housing.The American Red Cross is helping them with food, shelter, transportation, and medical services, while the city works to make sure the homes still standing are structurally sound.PHOTO GALLERY: DEADLY EXPLOSION TURNS NW BALTIMORE HOMES INTO RUBBLEBGE was able to turn gas off in the area by 9 p.m. Monday.Meanwhile, some electric lines were damaged causing power outages, but they've since been repaired with all power having been restored in the neighborhood.Investigators are looking into whether any customer-owned home utility appliances potentially contributed to the explosion.So far BGE says they've been unable to find any leaks or problems with gas mains and meters in the area.Prior to the explosion, BGE said they received no reports of gas odors or leaks at any of the homes in the last five years.The area’s gas infrastructure was installed in the early 1960s and was last inspected in July of 2019.Maryland's Vital Records building was forced to close for the rest of the day, following the explosion.WMAR-2 News spoke with two witnesses who explained what they heard and saw, and how they rushed to help. Governor Larry Hogan tweeted that he's been debriefed on the situation and said his office is grateful to the first responders at the scene. We are closely monitoring the situation in northwest Baltimore following this morning’s horrific explosion. We have reached out to offer our full support to the ongoing response and recovery efforts, and are deeply grateful to the first responders on the scene.— Governor Larry Hogan (@GovLarryHogan) August 10, 2020City Council President Brandon Scott said he first learned of the explosion from his mother, who works at a grocery store in the Reisterstown Plaza."This morning’s explosion was absolutely devastating. The tragedy hit close to home as I received a call from my mother who works nearby in the Reisterstown Plaza. She heard the blast from her job," said Scott. "I want to thank not only our Baltimore City first responders but also Baltimore County for their support during this tragedy. My heart and prayers are with the victims, their families, and the residents of this community. During this time of uncertainty, the only thing that matters is the safety and wellbeing of our neighbors."For now, people are being told to steer clear of the area.WMAR-2 News has a crew on the ground and will continue to provide the latest updates as they become available.This story was originally published by Ryan Dickstein at WMAR. 3363