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Students around the country have started to sign petitions, demanding colleges reduce tuition costs amid the pandemic. A recent survey by OneClass.com shows 93 percent of college students feel tuition should be reduced this semester since most classes will be held online.“I feel terrible, you know, by this one semester that I have to pay the exact same amount as I would by getting a whole college experience,” said Gabrielle Perez.Perez is a junior at Michigan State University and is one of many college students demanding lower tuition with online classes. She started a petition at her school, claiming “online classes hold a far less value compared to those that were once in a classroom”“You are at a Big Ten school. I am paying for a Big Ten school. I’m not getting the Big Ten-school experience,” said Perez.Currently, MSU has only committed to a tuition freeze, which essentially keeps tuition the same as the previous two years. However, around the country, other higher education institutions have begun reducing their tuition.Georgetown University, Princeton University, Lafayette College, Rowan University, Spelman College, Clark Atlanta University, and American University are just some of the higher education institutions that have lowered tuition by 10 percent. Schools like Hampton University and Williams College have lowered their tuition by 15 percent, while Southern New Hampshire University (SNHU) announced it will be offering incoming freshman full-tuition scholarships for the first year. All other SNHU students will have their tuition rate slashed from ,000 to ,000.Most schools have held strong in maintaining current tuition rates, with a few even raising tuition.“You can’t talk about prices and what institutions are charging students without talking about cost,” said Denisa Gandara, an assistant professor of educational policy and leadership at Southern Methodist University. “In many cases, the costs are going up.”Gandara explained many higher education institutions are reluctant to reduce tuition because of additional costs this year. Those additional costs include the cost of remote-learning equipment, training instructors to teach remotely effectively, and higher health insurance premiums.“I imagine institutions are still looking at their numbers and trying to decide whether they do need to lower their prices to attract more students,” she said.Some fear a significant number of college students will drop out or take the semester off, and some students have threatened that in their petitions.“You have so much time to go back to college anyways, that this one semester or maybe a whole year is not going to define you,” said Perez.Financial experts like Calvin Williams, Jr., CEO at Freeman Capital, believe a semester or two away from a four-year higher education institution may not be so bad after all. In fact, from a financial perspective both short and long-term, he is encouraging students to do this.During this pandemic, his company has been providing college students with advice on how to save on college tuition. One major way to save, according to William, Jr., is to consider taking transferable classes at a community college where tuition is already drastically lower than that at a four-year college or university.“Going down the community college-first route, for at least a COVID time like this, it will allow you to save money on tuition on room and board, and you will have a lot of flexibility in a year or two when you transfer to a four-year, carry those credits but carry less debt,” said William, Jr. 3592

TAMPA, Fla. -- As parents across the country grow more concerned every morning when they send their kids to school, more and more are turning to bulletproof backpacks.“After Sandy Hook, people couldn’t wrap their minds around a bulletproof backpack but now they think it’s something that they need," said Yasir Sheikh, the president of Guard Dog Security.The Sandy Hook shooting inspired Sheikh to create a backpack out of bulletproof materials. It doesn’t seem like much. The backpack has just a thin layer of kevlar, but it is certified to withstand handgun rounds.“Ideally, we think with the way things are going this should become mandatory, common for all students," said Skeikh. "It’s a sad reality, it’s become a new normal."Others feel the same. Just three days after the deadly school shooting in South Florida his company saw a 150 percent increase in the number of bags they shipped.But do they actually work?Ryan Hart is a certified firearm instructor for defense training company Ground Ready International Training, or G.R.I.T Ready. He also teaches active shooter survival courses.Hart put a barrel with sand behind the backpack to simulate a body and took aim with his Glock 19.“The rounds definitely penetrated the front of the bag here," said Hart inspecting the shot-up bag, "But if we flip it over there’s no penetration past the armor itself."Next up: the AR-15.In the last decade, this style of gun has been used in six of the 10 deadliest mass shootings throughout the country, including the Parkland school shooting.“It went right through the soft armor," Hart said after spraying the backpack with bullets from the AR-15.It's what Hart expected, as the Guard Dog Security backpack is not certified to withstand assault-style weapons. To stop bullets from a similar weapon, the backpack would need to be equipped with steel plates like those installed in military vests. However, that would make the backpack fairly heavy to carry.“I would recommend (the backpack), yes," Hart said. "While it did not stop a direct shot from an assault rifle it can still stop bullet fragments, ricochets, glass flying through the air.”Then we posed this question to Skeikh: "What do you think it says about our society that we are resorting to items like this?"The backpacks cost between 0-200. Fifty percent of the proceeds from sales of the backpacks right now will go to the victim's families of the Parkland shooting.Guard Dog Security is also looking into possibly making backpack, that would have the ability to stop assault-style weapons. 2664

TAMPA, Fla. — At a Tampa mall on May 30, Hillsborough County Deputy William Scobie was on the frontline as hundreds of rioters put on a relentless attack lasting several hours.The violence came in waves. Periods of calm were followed by coordinated attacks on Hillsborough County deputies and Tampa police standing in front of University Mall.At one point, law enforcement deployed tear gas, clearing the crowd. Once the wind carried the choking fumes out of the area, more and more people began to show up. Heavily outnumbered and overwhelmed, law enforcement did everything they could to protect themselves and prevent more violence.As law enforcement scanned the crowd and sky for objects, they couldn't look everywhere."Nothing real violent was going on for about probably 15 minutes or so," deputy Scobie said. "And then, all of a sudden, I took a beer bottle to the face. When the bottle exploded, it caused my head to drop down; there was about three inches of my neck that was unprotected when I looked down. And, it was a lucky shot that got me right in that three inches."Scobie said he doesn't remember anything after the brick hit his neck."It actually hit my carotid artery, which caused me to lose temporary consciousness," Scobie said. "I just remember waking up on the ground. The deputies were asking me where I was shot. They thought I was shot. I was just telling them I got hit with a brick and couldn't feel my arms and my legs. And, they rushed me to try and evacuate me out of there. With the amount of people and stuff that were around, it was hard to get me outta there, so there were two Tampa police officers that had a car they threw me in the back of the car and the Tampa police actually evacuated me to the hospital."For more roughly seven hours, Scobie was checked out at the hospital."I got feeling back in legs pretty quick. My right arm took about two hours. My left arm, I suffered a pinched nerve, and it was swollen. So, I had no feeling in my left arm for almost 24 hours, and I had a pretty significant bruise on my neck," he said.Scobie said he's wanted to be in law enforcement since he was 5 years old. After eight years in the military, he joined the sheriff's office. In 2018, Scobie was honored with the Tampa Police Chief's Appreciation Award after helping track a murder suspect.On June 24, 2018, Scobie's neighbor, 42-year-old Pedro Aguerreberry, was riding bikes on a bike trail with his two children when a car veered over the grass and onto the bike trail, hitting and killing Aguerreberry and injuring his two sons, ages 3 and 8. Mikese Morse, the suspect driver, was arrested and charged in the incident.Scobie heard the call and tracked down the car police say Morse was driving and eventually leading to an arrest.Morse was found incompetent to stand trial.Scobie said he loves his job and wants the public to know he is human, has a family, and only wants to serve and protect his community.Two days after Scobie was hit by the brick, he was back at work patrolling the streets."When we show up on a call, just give us the benefit of the doubt. Know that it truly is our goal to help you in any way we can without getting into a fight, without being injured, without causing any injuries," Scobie said. "If I could deal with 20 people a day and every one of them says 'thank you,' it's a good day. And, that's truly what we come to work for."This story was originally published by Michael Paluska at WFTS. 3470

TEMECULA, Calif. (KGTV) -- Border Patrol agents arrested a man Sunday after discovering more than 0,000 worth of drugs hidden inside his SUV. According to Border Patrol, agents spotted a man in a Ford Expedition swerving in and out of lanes on I-15 near Temecula around 11:15 Sunday. A short distance later, agents stopped the man and questioned the driver when the agency says a K-9 alerted agents that there may be drugs inside the vehicle. After a search, agents discovered six bundles of cocaine and two bundles of black tar heroin inside a panel behind the driver’s side rear-quarter panel. Another search at a nearby station revealed eight more bundles of cocaine and two more bundles of the heroin. The value of the cocaine is estimated to have a street value of 4,000 and the heroin’s value is estimated at ,700. The 39-year-old man, who agents say is a U.S. citizen, was arrested for possession of narcotics. Since the beginning of October 2018, agents have seized 865 pounds of cocaine and 2,648 ounces of heroin. 1041

Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771

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