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For the second straight day, Johns Hopkins reports that the U.S. has reported a record number of new cases of the novel coronavirus.According to a Johns Hopkins database, more than 45,000 new cases of COVID-19 were reported on Friday. That comes a day after more than 40,000 cases were reported on Thursday.According to The Associated Press, many of the new cases have been reported in rural areas.For many states and counties in the U.S., the dark days of the coronavirus pandemic in April unfolded on their television screens, not on their doorsteps.But now, some places that appeared to have avoided the worst are seeing surges of infections, as worries shift from major cities to rural areas.Much of the focus of concerns that the United States is entering a dangerous new phase has been on big Sunbelt states that are reporting thousands of new cases a day.But the worrying trend is also happening in places like Kansas.In early June, Kansas looked to be bringing its outbreak under control, but its daily reported case numbers have more than doubled in recent weeks. 1080
Following the CDC's recent No Sail Order extension , cruise lines say they'll not only create a bubble, but they'll test everyone who steps onboard. The tourism industry has been hit hard by the pandemic, and industry leaders say people are ready to take their coronavirus precautions and set sail.“We’ve been out of California, we’ve done all the Mexican, Caribbean, Bahama, Alaska, Hawaii, we’re planning on Panama Canal next year. After that we want to go to Europe and do a riverboat cruise,” said Betsy Atwood, a passenger on 37 past cruises.When she's not "cruising,” Atwood calls Vassar, Michigan, home. She was onboard a ship last spring when cruise lines were ordered back home. Ever since then, she's been ready to get back out on the high seas.“They need to sail, they need to get them going. You’re safer on the ship then you are to the grocery store. They’re so clean to begin with and I know now they’re cleaner than they were before,” Atwood said.Cleaning is just one part of the broad plan to get passengers back said Joe Leon, vice president of field sales for Silversea in the Americas. Silversea in the Americas is the luxury arm of Royal Caribbean and its ships only carry 600 people on board, which is small by industry standards. Other vessels have capacities of five to six thousand guests.Leon said since the shutdown, they've been simulating what life would be like on the ship, including dining and egress.He said the team of experts behind "Healthy Sail Panel" detailed all of that in a 65-page report for the cruise industry.The "74-point memo on exactly what their recommendations are, assessment of our current protocols and how the science applies and why it should apply and why these are the recommended action and result is a safe environment, our idea is to create a bubble for customers,” Leon said.Testing 100% of passengers, face coverings, enhanced sanitation methods will be everywhere. Leon says the report details multiple focal points.“First is embarkation and screening,” Leon said. “That’s testing and how strict we are with crew and passengers and contractors. Then there's public safety on board and public access where you will have to wear masks and what’s the proper social distancing measures.”They're taking shore excursions into account too, and medical facilities. While things will be different, he says, it's everyone's responsibility to do their part so that everyone can safely sail when it's time.For Atwood, who has a new excursion planned for March, what they're doing is more than enough. She's part of a group who is anxiously awaiting their annual cruise, and says, “We’ll all be heartbroken; they need to open them back up," Awtood said.The CDC's No Sail Order expires October 31, but some cruise lines are postponing voyages through the end of 2020. 2823
Following the controversy sparked by a football player carrying a "thin blue line" American flag on the football field Friday night, Chardon Local Schools Superintendent Michael Hanlon Jr. has banned the flag in a school setting.In a statement to the community, Hanlon said the incident understandably drew responses on social media and direct communications to district officials. 389
Following the Associated Press calling the presidential race for Democrat Joe Biden, statements of support from previous presidents calling for unity and congratulations were shared.President Barack Obama, who Biden served as Vice President between 2009-2017, started by saying how proud he was to congratulate Biden, his wife Jill, running mate Kamala Harris and her husband, Doug Emhoff.“I know he’ll do the job with the best interests of every American at heart, whether or not he had their vote. So I encourage every American to give him a chance and lend him your support,” Obama’s statement reads. “The election results at every level show that the country remains deeply and bitterly divided. It will be up to not just Joe and Kamala, but each of us, to do our part - to reach out beyond our comfort zone, to listen to others, to lower the temperature and find some common ground from which to move forward, all of us remembering that we are one nation, under God.”Obama also thanked everyone who voted and got involved this election cycle, and urged all Americans to stay engaged in civic issues.President Bill Clinton tweeted his support, saying “America has spoken and democracy has won.” He also touched on healing a divided nation, saying “Now we have a President-Elect and Vice President-Elect who will serve all of us and bring us all together.”President Jimmy Carter said he and his wife Rosalynn are “proud” of the Democrats’ “well-run campaign and seeing the positive change they bring to our nation.” Carter served one term as president, from 1977-1981, while Biden was a young senator from Delaware. Below is a look at their full statements:President Barack Obama 1690
Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475