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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

Message from Ron Paul: "I am doing fine. Thank you for your concern." pic.twitter.com/aALmLn8xIj— Ron Paul (@RonPaul) September 25, 2020 144

Mass shootings and acts of terrorism may dominate headlines, but it's the homicides and, to a lesser extent, the suicides that happen out of the spotlight that make up the bulk of firearm-related deaths around the world, according to a study published Tuesday in the journal JAMA. More gun deaths happened outside of war than in it during the years researchers examined (1990 through 2016) in 195 countries and territories.Worldwide, an estimated 251,000 people died by gun in 2016. In 1990, there were 209,000 firearm-related deaths. Accounting for population growth, that's an annualized rate decrease of 0.9 percent.Gun deaths are predominantly concentrated in six countries that make up less than 10 percent of the world's population. The United States, Brazil, Mexico, Colombia, Venezuela and Guatemala together account for more than half of the gun-related deaths worldwide.In 2016, the majority of global firearm deaths -- an estimated 64 percent -- were homicides. Suicides accounted for 27 percent of the gun deaths. A small fraction, about 9 percent of gun deaths, were accidental.If you were to look on a map, the highest numbers of gun-related homicides are concentrated in a belt that stretches from Mexico through the Caribbean to Brazil. Many of these homicides involve drug cartels, the authors suggest, and there's a problem with organized crime and the illegal gun trade.El Salvador saw the greatest concentration of gun-related homicides in 2016, with 38.9 per 100,000 people. By comparison, Singapore, the country that had the fewest, had 0.1 gun-related homicides per 100,000."The sheer magnitude of these deaths and the range in firearm-related deaths is extraordinary," said the study's senior author, Chris Murray, director of the Institute for Health Metrics and Evaluation at the University of Washington.The most vulnerable demographic to gun violence was men between 20 and 24 years old. Men were also the biggest perpetrators of gun violence.Suicide-by-gun rates declined globally between 1990 and 2016. Some countries, though, struggled with this public health crisis. In 2016, Greenland had the highest number of firearm suicides, with 22 deaths per 100,000 people. The US had the second-highest number, with 6.4 deaths per 100,000 in 2016."The US really has quite marked rates around suicide," Murray said. "That was a surprise to me."For perspective, the United States has 4.3 percent of the world's population, but suicide by gun there represented 35.3 percent of all firearm suicides in the world in 2016. By comparison, there were twice as many firearm suicides as gun-related homicides in 2016 in the US.Americans also own more guns per capita than residents of any other country, with about four in 10 Americans saying they either own a gun or live in a home with guns, according to a 2017 Pew Center study.Americans have been killing themselves more with guns over the past decade, but homicide numbers have been relatively flat. The US ranks 30th in the world for total number of homicides, according to the study.The highest increase in gun-related suicide rates in this time period was in Jamaica, and Singapore had the fewest gun-related suicide deaths. These numbers, Murray said, are an important reminder about how widespread this public health problem is.There is no one single trend behind gun violence. Drugs, alcohol, a lack of mental health services and domestic violence are often to blame, as is poverty, the study suggests."Places with high rates of firearm mortality that are getting worse tend to be places with weak government institutions, especially in the criminal justice system or social upheaval," Daniel Webster, who has written extensively about gun violence as director of the Johns Hopkins Center for Gun Policy and Research, wrote in an email. Other things that stood out from these numbers, he said, is that while the "measures aren't great," he said, "there is a connection: more guns, more gun-related deaths."Webster, who was not involved in the new research, added that the general downward trend in firearm mortality is something that stands out because "we tend to think of our current rates of gun violence as the worst ever, but there has been great progress" toward stemming some of this violence.Laws that seem to limit gun violence include ones that strengthen background checks and require permits for ownership, the study authors said. More restrictions on guns in Brazil and South Africa seem to suggest a link between a reduced access to gun ownership and a lower number of gun-related suicides and homicides. 4601

LOUISVILLE, Ky. -- The Louisville Metro Police Department's internal investigative files connected to the raid that killed Breonna Taylor have been released, Mayor Greg Fischer announced Wednesday.The files, compiled by LMPD's Public Integrity Unit, include thousands of pages of documents, more than 100 interviews, and at least 50 body camera videos.All of the files are connected to what happened on March 13, 2020, when officers tried to serve warrants on Taylor's apartment while investigating Taylor's ex-boyfriend, Jamarcus Glover, in a narcotics investigation..@LMPD has released the Public Integrity Unit’s investigative files on the Breonna Taylor case. pic.twitter.com/G096oDyiIR— Mayor Greg Fischer (@louisvillemayor) October 7, 2020 Taylor's boyfriend, Kenneth Walker, says he fired a "warning shot" at the officers, thinking they were intruders. Police returned fire and shot Taylor dead. No drugs were found in the home.Former LMPD Detective Brett Hankison was indicted on three counts of first-degree wanton endangerment for firing rounds into the apartment of Taylor's neighbors. None of the officers involved were charged specifically with Taylor's death.Last week, Kentucky Attorney General Daniel Cameron released roughly 15 hours of recordings in the case.All of the investigative files can be found here.This story was originally published by Jordan Mickle at WLEX. 1395

Marana, Arizona police say a bride-to-be was taken into custody on Monday morning for driving under the influence. Around 10:30 a.m., officers responded to an intersection for a report of a three-car collision. Police say 32-year-old Amber Young was on her way to her wedding was arrested for DUI. One person was also transported to the hospital for minor injuries, police said. A driver was arrested for DUI this AM while driving to her wedding. @MaranaPD officers arrived at OG/Thornydale at approx 1030 reference a three vehicle collision. One person was transported with minor injuries. Don’t drive impaired, till death do we part doesn’t need any help. pic.twitter.com/oDrPPsvh4I— Sgt. Chriswell Scott (@MPDSgtScott) March 12, 2018 774

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