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ATLANTA, Ga. -- Even though Georgia didn't swing overwhelmingly blue, Democratic voters are hopeful the purple state is becoming more progressive.Pastor John Elmore's 10-year-old daughter isn’t old enough to vote, but this election has his fifth grader engaging in politics more than he ever expected.It's a trend he's noticed across his entire community. People are calling for unity and hope."That we as a people, no matter who's in office, will do our part to bring about a change," said Elmore, pastor of the 3D Church and a community activist.Change is something his family is witnessing firsthand. They’re in Georgia, one of the most contentious states of the 2020 election."I'm very proud to see Georgia purple," said Elmore.Elmore, his family and fellow voting activist Toccaro Combs held an Election Night watch party at their church. They were hoping to see Georgia swing blue by a landslide, but instead were left with sharply divided results for days."You could see it as division, but you can also see it as growth. I see an opportunity for a new nation, a new look, a new energy, the spirit behind the people of this nation, so I see it as opportunity," said Elmore.Elmore and Combs teamed up this year to build that opportunity for change."We have registered thousands, and hundreds of thousands, of new voters that have activated their voices, and to see Georgia be purple, I'm not surprised. I am just excited," said Combs.Tocarro said the excitement after this election is so different from four years ago. "The day after Election Day in 2016, I woke up and I was horrified. I didn't know, especially as a Black woman in this country, what it looked like for me under an administration that was opposite of my values, and I refused to wake up feeling that way this time around, no matter how the results came out," said Combs.This election saw record turnout for African American voters in Georgia, a success Elmore and Combs believe started from the ground up."We have good community leaders that are fighting hard daily, often to make sure that everyone has a fair opportunity. Yes, suppression is still real. It's still prevalent, it still exists, but I am proud to see that there's starting to be some balance, some awareness, being brought to it, and at this point, I could see the light at the end of the tunnel," said Elmore.The slow and steady fight to get people involved in elections exploded this year, a change Elmore is grateful to be part of."I've noticed people more in tune to politics, people that never cared before, so I think it's brought an awakening to the community."It’s these conversations, and the neighborhood movements, energizing communities of color to fight beyond party lines, beyond state lines, for a country where all voices are heard."It's my hope that change is now, and is happening, and is forever going to keep progressing," said Elmore."Together we are the United States of America, does not matter who you voted for. We are responsible and accountable for each other," said Combs. 3048

At the Denny’s along US 1 in Port St. Lucie, is one customer everyone knows.Not a lot of people turn 100, and not a lot of people eat at the same place day after day, for decades.Sister Marie Alice Lagace was greeted with a rendition of Happy Birthday on the trumpet Tuesday.“She always has a kind word and a gentle way of always making you feel good," said Denny's General Manager Maurice Warrington.Port St. Lucie Mayor Greg Oravec offered a proclamation and a funny gift — a ruler with the city logo.But the biggest honor would be fixed to her usual booth in back, a booth now renamed for her.“I just love it and I find the beauty in all of these people," Lagace said.Parishioners from Holy Family Catholic Church take turns driving her here, and they can’t take her anywhere else.“Some of them ask me, 'We’re going to eat somewhere,  you coming with us?' Nope. I’m coming here," Lagace said.She orders the same thing every day: one egg, a piece of toast, grape jelly and coffee — although Tuesday, cake was the substitute. Parishioners who ask her the secret to a healthy, long, life get a simple answer.“Love God, smile, relax," said Aleen Stanton with Holy Family. Sister Marie Alice has been on mission trips around the globe. But for the past 25 years, her daily trip has been to see her friends off US 1.“The idea is we’re together. And God is in you and God is in me.”Denny's gave her a gift card they hope she can use for another hundred years. 1573

As the COVID-19 vaccine makes its way across the country and into the hands of those who need it most, many nursing homes and senior communities are anxiously waiting as they are the most vulnerable.“I’m a true Okie from Muskogee, Oklahoma,” says 80-year-old Donna. After 46 years, she and her 83-year-old husband Art made the decision to leave the countryside and move into a senior community. They chose one of the 26 Arrow Senior Living communities that are housed around the Midwest. Things were great until the pandemic hit.“Since we live on the independent side, we do our own things. Until this COVID hit, we came and went as we wanted to,”she said.Their way of living is now completely different. No visits with their three sons. No extracurricular activities. They're diligent about masks and about the proper public health measures to prevent the virus.“It's a big concern, we know this is a killer,” Donna said. “Some get a light case and some are asymptomatic and you never who’s going to get the serious case.”Which is why she's anxiously waiting for the vaccine. She remembers when the polio vaccine came out and said it was wonderful."I don’t remember people questioning it, being afraid of having it so much then as some people today but I don’t know why they’d even question it with the horrible pandemic we’ve been having,” Donna said.Stephanie Harris, CEO of Arrow Senior Living said “absolutely” when asked if she would get the vaccine. Harris says her employees will get it too. In all, nearly 4,000 people between residents and staff will need to be vaccinated.“We have been blown away at how overwhelming the response has been by our resident group, over 90% of our residents, when we surveyed them, said ‘yes’ to vaccination,” says Harris.They're not first in line, but they're not far off. They have clinics scheduled for late December, and they're excited.“I’m tired of being cooped up and taking extraordinary precautions to ensure that I could be here in this seat to support our larger operation and I want to be able to get on with some sense of normal,” Harris said.Harris added this recent surge has been brutal and it's taking an emotional toll on everyone.Holiday gatherings have been canceled, important events missed during a time when grandparents should be spending with grandkids. It's caused Arrow Senior Living to take extraordinary precautions, deploying things like mask detection technology to determine whether face coverings are being utilized. There's not one community in their network that hasn't been touched by COVID-19.“This is going to be a strange Christmas, we’re accepting it,” Donna said. “We have three sons but they’re all doing their thing. They didn’t feel like it was safe to travel and we’ll be having Christmas here.” 2789

As the 2020 election approaches, Facebook founder Mark Zuckerberg said the social media networks are giving users an opportunity to limit most political advertisements.The announcement was paired with several measures Zuckerberg said Facebook and Instagram are launching as part of its response to the upcoming election.In order to limit the advertisements on Facebook, go to the Facebook mobile app, click on settings, ad preferences, and ad topics. The video below shows how it works:For Instagram users, click on settings, ads, and ad topic preferences. The video below shows how it works:Zuckerberg said in an op-ed to USA Today, “For those of you who've already made up your minds and just want the election to be over, we hear you — so we're also introducing the ability to turn off seeing political ads. We'll still remind you to vote.” 851

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