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Medical offices around the country are opening back up for routine health checks and they're facing a huge problem; there's still a shortage of protective gear. Now, many are spending huge amounts of money restructuring the way they operate to keep themselves and their patients safe.On a window ledge at ENT and Allergy Associates in White Plains, New York, sits a number of brown paper bags. Inside, face masks labeled for each physician.“We have paper bags on our window sills with a bunch of masks. In there, we have 3-4-5 masks we’re rotating through. Those have to be kept covered to protect them from splatter or anything because once they get dirty, then they have to be thrown out,” Dr. Daniel Gold said. “We circulate gowns as well.”Gold is an E.N.T., which is the medical and surgical choice for anything having to do with the ears, nose or throat. It's a profession that is very much in your face, so protective gear is of utmost importance.“After wearing them for 5-10 minutes, you get short of breath and you’re like this is really hard,” he said.Doctors like Gold are having a hard time getting more gear. In fact, Dr. Gold often uses shields that are designed for sheet metal work because medical grade equipment is back ordered, or entirely unavailable. A surgical mask which once cost 30 or 40 cents now costs to .50.They've also found that knockoffs are being sold.“Not made of same material, not sealing against the face, and some had seam lines and then when you really looked, you’d realize there were holes through the seam lines that’s not blocking 95%,” Gold said. “You’re better wearing a t-shirt mask.”Dr. Gold is far from alone on this issue. It's a statewide and nationwide problem. Dr.Bonnie Litvack is the president of the Medical Society, State of New York.“That is an absolute mess because we can’t deliver the care if we don’t have the resources and the mask is ground zero for that,” Said Dr. Bonnie Livtack, the president of the Medical Society of the State of New York.When asked about whether they were able to negotiate for price on PPE, Litvack said, “With the various companies they either have it or they don’t, or you pay the prices or you don’t.”Dr. Litvack joined other state medical societies in the country by sending a letter to the Senate. They're asking the government to step in."We urge Congress to prioritize the production, distribution, and availability of PPE and testing, and accelerate efforts to conduct contact tracing,” the letter read. “All of these are essential to the safe reopening of medical practices and the economy and must be prioritized for all health care workers."They're also asking for financial help as their costs to operate, while seeing half the patient volume, are mounting.“These additional precautions and equipment is running us about per patient,” Dr. Gold said. “It’s about a million in extra overhead a month just in these extra masks, and gowns, and gloves and wipes. All these other things, which nobody could have thought to budget in because who would have thought we’d have to consider every patient highly infectious.”It's a new way of operating, as everyone is learning how to function in our new, post-pandemic world. 3229

McDonald's announced it's tripling the amount of scholarship money it's offering to its employees to help them get a college degree.Eligible crew members can receive up to ,500 per year and managers can make up to ,000 a year, up from 0 and ,050 respectively.One of the workers who has taken advantage of the program is Jackie Southam from Henderson, Nevada. She's been working at McDonalds for the past 8 years.During that time, she's risen to become a manager, and she's also gotten help from McDonald's to earn a bachelor's degree from Nevada State in biology with a minor in chemistry.With the additional funding increase, she's planning to go back this fall and pursue a master's degree in public health.Her goal is to become an epidemiologist and work for the Centers for Disease Control.She says she's had to pay her entire way through school working two jobs, and the scholarship from McDonald's helped her get through.Right now, UNLV costs around ,100 a semester for state residents, and the College of Southern Nevada is around ,400, plus other costs like books and transportation.McDonald's isn't alone though. Working for several other large companies can also help you get assistance with tuition. Best Buy, Walmart, Verizon, and Bank of America all offer similar types of help.  1333

Many schools are taking a different approach in helping children in school improve behavior.Dee Marie is bringing yoga to classrooms. She says she saw a need to teach non-violent coping skills after Columbine, so she created the non-profit group Calming Kids.The group teamed up with researchers at Harvard University to study the effects.“We got up to 93 percent less hitting,” Marie says. “We got incredible increase up to 86 percent increase in focus. Focus on their classwork, focus on their homework.”The simple techniques of the yoga practice are transforming behavior, even the behavior of bullies.“Students were able to settle in themselves better and started to get some ah-ha moments,” Marie says. “And what was really interesting was that the bullies started to recognize that they were bullies.”Marie’s program is global, reaching several states, Mexico and Puerto Rico.She's going back to the West Bank to teach for a second time next year.Similar programs are offered to help children.Jim and Lyneea Gillen started Yoga Calm when they saw students with learning disabilities or impacted by trauma having a tough time.“Initially I tried to get kids into counseling, but there weren't many services in a small town, and when there were, they weren't affordable for families,” explains Lyneea Gillen.The couple got their business accredited and began tracking results.“72 percent of the kids reported using the techniques at home unsolicited in a response to stress,” Jim Gillen says.Both programs now offer online courses.“It’s a solution to some of the problems we're seeing in schools right now,” Lyneea says. “I think we've met a need.”In Baltimore, some schools have even swapped detention for a meditation and mindfulness room and saw fewer children getting referred for discipline. 1812

Mandy Lamay wants to go from renter to buyer, looking to close on her first property during the COVID-19 crisis.“I started right as the pandemic was hitting,” she said of her home search. “That was kind of my driving factor for buying a house.”Purchasing a property during a pandemic, however, has proven to be somewhat problematic for buyers like Lamay.“You have to be viewing the house day one it pops on the market,” she said. “If you’re actually interested, you have to put in an offer immediately.”This kind of competition has created all kinds of chaos across the country.“We are seeing this pent-up demand,” said Dr. Jessica Lautz, vice president of demographics and behavioral insights for the National Association of Realtors. “We’ve actually seen in every region on a national scale that home sales actually did increase.”Lautz says after two months of drastic decline during the coronavirus shutdown, pending home sales mounted a record rebound in May.“The month-over-month increase in pending home sales is the largest that we’ve recorded,” she said.That’s more than a 44% increase after seeing home sales drop to their lowest levels in nine-and-a-half years.“Buyers are rethinking their living situations,” Lautz said. “So, the demand is really hot and that’s going to drive up prices.”Also impacting prices are slow building, low inventory and low interest rates.Combine those factors with more Americans looking to move from big cities to smaller towns and Lautz believes America’s real estate market will be impacted even more.“People are reevaluating and saying, ‘I don’t want to live in a dense area, crowded city center, crowded blocks,’” she said. “Elevator living is just not the right thing for people today.”For Lamay, she’s locked in a 3.125% interest rate and says she may overpay for her first property, if it gives her a peace of mind.“And then hopefully I’ll have a big new yard for my dog and myself,” she said. 1948

Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

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