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Since March, the nation has collectively wondered to itself when we might return to the way life was before the COVID-19 pandemic began. That fixation on returning to normalcy may be rooted deeply in the kind of purpose most people find in routines."Normal is like this mirage on the horizon of what life was like before February in the United States," explained Mike Serazio, who serves as an associate professor of communication at Boston College.Just the word itself, Serazio says, brings a sense of certainty to people. With COVID-19 impacting nearly every facet of our lives, it's created a longing for the way things were, especially given how stressful life can seem right now."Part of what we seek in normalcy is something that is comfortable, familiar and sustainable. I think we’re all still in a daze in terms of how this has played out,” Serazio added. “The hopes this would be more temporary are not panning out.”Beyond the word itself, there's another reason the concept of normality sticks so profoundly in our subconscious. Nicholas Wagner, who studies psychological and brain sciences at Boston University, says structure and routine help humans navigate uncertainty."That sense of routine and security helps provide us the bandwidth to make advances in other areas of our lives," Wagner said.The loss of normality has deeply impacted kids. For them, patterns and routines are central to development and growth.Wagner's advice for parents who have kids who might be struggling right now is to establish some semblance of a routine. Either setting a specific bedtime or a time during the day when chores need to be done and then hanging a calendar on the fridge that kids can visually reference."That sense of security will establish a new sense of normal for kids." 1790

ST. PETERSBURG, Fla. — Coronavirus infections are climbing rapidly among young Americans in a number of states where bars, stores and restaurants have reopened. It's a disturbing generational shift that puts young people in greater peril than many realize and poses an even bigger danger to the older people who cross their paths. National figures show that almost as soon as states began reopening, people 18 to 49 years old quickly became the age bracket most likely to be diagnosed with new cases. And although every age group saw an increase in cases during the first week in June, the numbers shot up fastest in the younger age group.“The virus hasn’t changed. We have changed our behaviors,” said Ali Mokdad, professor of health metrics sciences at the University of Washington in Seattle according to The Associated Press. “Younger people are more likely to be out and taking a risk.”In Florida, people aged between 15 and 34 make up nearly a third of all cases of COVID-19 in the state. In the past week, two 17-year-olds have died after contracting the virus.Officials fear that a surge in infections among older Americans could come next.“People between the ages 18 and 50 don’t live in some sort of a bubble,” Oklahoma City Mayor David Holt said, according to The Associated Press. “They are the children and grandchildren of vulnerable people. They may be standing next to you at a wedding. They might be serving you a meal in a restaurant.” 1461

Software engineer Raymond Berger begins his work day at 5 a.m., before the sun comes up over Hawaii.Rising early is necessary because the company he works for is in New York City, five hours ahead of Maui, where he is renting a home with a backyard that’s near the beach.“It’s a little hard with the time zone difference,” he said. “But generally I have a much better quality of life.”The pandemic is giving many workers the freedom to do their jobs from anywhere. Now that Hawaii’s economy is reeling from dramatically fewer tourists, a group of state officials and community leaders wants more people like Berger to help provide an alternative to relying on short-term visitors.Coinciding with the approach of winter in other parts of the U.S., “Movers & Shakas” — a reference to the Hawaii term for the “hang loose” hand gesture — launches Sunday as a campaign to attract former residents and those from elsewhere to set up remote offices with a view. They’re touting Hawaii’s paradisiacal and safety attributes: among the lowest rates per capita of COVID-19 infections in the country.The first 50 applicants approved starting Sunday receive a free, roundtrip ticket to Honolulu. Applicants pledge to respect Hawaii’s culture and natural resources and participants must commit several hours a week to helping a local nonprofit.It didn’t take much to convince Abbey Tizzano to leave behind her Austin, Texas, apartment to join four Silicon Valley friends in a rented house in Kahala, Honolulu’s version of Beverly Hills.She had never been to Hawaii before. She booked a one-way ticket, arrived in September and quarantined for 14 days, complying with the state’s rules at the time for arriving travelers. She’s keeping Central time zone hours while working in account management for a software company, allowing her to end the work day early enough to enjoy long hikes along mountain ridges or walk five minutes to the beach.“It’s like I live two lives right now. There’s the corporate side for ... the early mornings,” Tizzano said. “And then there’s just like the Hawaii lifestyle after I get off work around noon or 1 p.m.”Neighbors tell the remote workers they’re a welcome change from the bachelor and bachelorette parties the luxury home normally hosts, she said.Tizzano wonders what other locals think of them: “Are they appreciative of people coming that want to help stimulate the economy or are they concerned that they’re going to raise housing prices more and stuff like that?”Housing is a real concern in a state where there’s an affordable housing crisis, said Nicole Woo, a policy analyst for Hawaii Appleseed Center for Law and Economic Justice.She worries that if their presence remains beyond the pandemic and if they come in larger numbers, they could start pushing property values even higher.Lifelong Kauai resident Jonathon Medeiros felt uncomfortable when he saw an airline ad luring remote workers to Hawaii.The remote worker campaign just feels to him like another kind of tourism. “We just get portrayed as this paradise, a place for you to come and play,” he said. “And there’s such privilege involved in that attitude.”One focus of the campaign sounds appealing to Medeiros, a public high school teacher: An opportunity for those who grew up in Hawaii to come home without having to take the pay cuts that are often required to work here.“I see so many of my students, they graduate and many of them leave and never come back,” he said, “because they don’t see Kauai as a place where they can make a life.”Richard Matsui grew up in Honolulu. After high school, he left for the U.S. mainland and Asia for educational and career opportunities.As CEO of of kWh Analytics, he never expected to be able to leave California’s Bay Area and still be able to run the company.The pandemic shut down child care options in San Francisco for his baby born in January. He and his wife planned to come to Honolulu for a month so that his mother could help with the baby. A month turned into two and then six.“If there’s an opportunity now to take mainland salaries and our mainland jobs and to execute them well from Hawaii, I do think that Hawaii has a once-in-a-lifetime opportunity to diversify the economy and ... take advantage of the fact that our core strength is Hawaii is a tremendously wonderful place to live and to raise kids,” he said.The idea behind the campaign started with wanting more people like Matsui to come home, said Jason Higa, CEO of FCH Enterprises, parent company of Hawaii’s popular Zippy’s restaurants.Then the group started thinking about broadening it to others.With the impacts on housing in mind, Higa said the group included a vacation rental company that’s sitting on a large inventory of vacant properties normally rented by tourists.Wissam Ali-Ahmad, a software solution architect from San Jose, California, is renting a Kauai condo that’s normally marketed to vacationers.He has picked up side projects as a consultant for local food trucks and restaurants to help the small businesses improve their contactless services.“I feel like I’m a guest here, and I have to contribute as much as possible,” he said.Many Hawaii neighborhoods are overrun with illegal short-term vacation rentals, and having those properties occupied legally by longer-term tenants is appealing, said Ryan Ozawa, communications director for local tech company, Hawaii Information Service.“What I like about the idea of, say, a cabal of Twitter employees all moving to Kailua is that one, they bring their jobs with them, so you’re not talking about displacement in that regard,” he said. “But for all of the things that we want, which is local sales tax, groceries, electric bill, et cetera, you know, those paychecks from San Francisco get spent in Hawaii.”The Honolulu suburb of Kailua has been struggling with how to manage an influx of short-term vacation rentals. It’s where Julia Miller, who works for a company that provides payroll services for small businesses, her Google employee husband and their two toddlers, ended up last month when they left Northern California’s dreary weather and fires.“We do feel really grateful that we were able to come here and be welcome,” she said. “We want to do our part in keeping Hawaii safe.”While the Millers plan to stay four to six months, others are looking at Hawaii as a longer-term remote workplace.Software engineer Gil Tene and his wife, an intensive care unit doctor, bought a house in September in Hanalei, Kauai’s most desirable beach town of multimillion-dollar homes.They plan to split their time between Hanalei and Palo Alto, California, so they looked for a property with remote working in mind. They settled on a five-bedroom house — enough rooms for Tene to work in, his wife to see patients virtually in and their daughter to study in.“What you look for in a place you intend to work from is very different than when you want to vacation,” he said. 6954

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

ST LUCIE COUNTY, Fla. — They’re not giving up until they get answers.On Wednesday, glioblastoma patients and families who have had loved ones with the deadly brain cancer in St. Lucie County, met with officials from the Florida Department of Health in St. Lucie County.READ MORE: St. Lucie County Glioblastoma CoverageIt was their first time meeting together since the health department revealed there is not a high number of glioblastoma cases in the county.That was determined after a five-week review of the state’s cancer registry from 1996 to 2015. The research focused on looking at the demographics of the area to determine how many new cases are to be expected each year in the county.Health officials determined St. Lucie County should see an average of 10 cases per year.The registry does not, however, have data yet for 2016 or 2017.Scripps station WPTV in West Palm Beach collected information from viewers who have glioblastoma or know of someone with glioblastoma in St. Lucie County to help provide some data for those two years.For now, 2016 appears to have at least 15 cases diagnosed in St. Lucie County, according to WPTV.  In 2017, it appears there were 11 cases from people who came forward with their information.The information is not medically verified, but has been given to the department of health in St. Lucie County by WPTV’s Meghan McRoberts to further investigate.The Health department said though the 2016 and 2017 numbers might be higher than the average of 10 cases, there is not a set formula for what number would be considered ’too high'. It would take further research.People like Lenny Schelin, Jr. who are battling glioblastoma, were glad to hear the health department is still going to look into the local glioblastoma cases, regardless of the state data showing there is not a high local rate of the cancer.“There’s still a lot of unknowns,” Schelin, Jr. said. He said he knows the number from the state’s cancer registry has some potential flaws. For example, it does not account for people who lived in St. Lucie County but were diagnosed with glioblastoma out of state.“Too many people moved. Too many people get diagnosed somewhere else. Just too many variables,” Schelin, Jr. said.The Florida Department of Health in St. Lucie County Administrator Clint Sperber, also noted the information from the state’s cancer registry does not look at specific addresses to evaluate exactly how close together the patients live.That’s an issue to Kim Hart, whose mother is battling the disease.“Finding out a younger person is going through it a mile from us… it’s unfair,” Hart said. Other patients’ families said some cases are on the same block and street.Kevin Perry, Jr.’s dad is also battling GBM.“They’re not here. They’re not looking at, 'Oh, five people within a small little area.' They’re just looking at numbers,” Perry, Jr. said.But that’s where the local health department can step in and take a closer look at the proximity of the cases.The glioblastoma of St. Lucie County support group is also committed to doing its own research to have the best possible chance of getting answers.“We have a lot more work to do,” Hart said.“It’s terrifying. I wonder if I’m sitting around waiting for something to happen to me or someone close to me or anybody in this area, like, if something’s causing it, I’m just very adamant that they need to figure it out,” Perry Jr. said. 3449

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