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As vaccinations get underway in the United Kingdom, United States and other rich countries who could afford to pre-purchase doses of the COVID-19 vaccines, researchers warn that about a quarter of the world’s population will be unable to be vaccinated until 2022.There are 13 vaccine manufacturers working on coronavirus vaccines, and they are capable of producing around 6 billion courses of vaccine by the end of 2021.“Just over half (51%) of these doses will go to high income countries, which represent 14% of the world’s population,” researchers from the Johns Hopkins Bloomberg School of Public Health wrote in their report, published in the British Medical Journal."Of the 13 manufacturers, only six have sold to low and middle-income countries,” they noted.At the time of the report, the U.S. had reserved 800 million doses of the vaccine. Japan and Australia, which account for fewer than 1% of the world’s COVID-19 cases, have reserved and potential options to get 1 billion doses.“Even if all 13 of these vaccine manufacturers were to succeed in reaching their maximum production capacity, at least a fifth of the world’s population would not have access to vaccines until 2022,” researchers noted.Covax, a global effort organized by the World Health Organization, had made initial purchases of 300 million vaccine doses. Covax is working to create equitable access to COVID-19 tests, treatments and vaccines for all countries. President Donald Trump’s administration said they would not participate in the effort."This study provides an overview of how high-income countries have secured future supplies of COVID-19 vaccines, but that access for the rest of the world is uncertain," the researchers concluded. "Governments and manufacturers might provide much-needed assurances for the equitable allocation of COVID-19 vaccines through greater transparency and accountability over these arrangements." 1921

ATLANTA — The United States is going to require airline travelers from Britain to get a negative COVID-19 test first. The Centers for Disease Control and Prevention announced the new policy late Thursday. Airline passengers from the United Kingdom will have to test negative for COVID-19 within three days of their flight. The requirement goes into effect Monday.The U.S. is the latest country to announce travel restrictions because of a new variant of the coronavirus that is spreading in Britain and elsewhere. The new of the virus is more contagious than other strains.The CDC said because of restrictions in place since March, air travel to the U.S. from the U.K. is down by 90%. 692

As you head to the stores for your back-to-school shopping, you may get suckered into buying items marked down as a sale. But there are a few things you should know before shopping if you want to save money.Jeff Kreisler, editor and chief of People Science, says in order to be a smart shopper, you have to pay attention to the "decoy price."“If something has three different versions," explains Kreisler. "The top version is too expensive, the bottom version is too cheap, and because we don’t really know how to value it, we chose what’s in the middle.”That middle item is not always the best deal. Also, don't get suckered into buying the newest item, which is usually overpriced.  712

Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

As the mystery surrounding the disappearance of Jayme Closs intensifies, one thing has become clear. She vanished from her parents' home moments after they were shot to death."We believe Jayme was in the home at the time of the homicides and we believe she's still in danger," Barron County Sheriff Chris Fitzgerald said Wednesday.Three days after a cryptic 911 call led police to discover the bodies of Jayme's parents in their Wisconsin home, the 13-year-old girl remains missing. Investigators have received more than 400 tips and have not confirmed any credible sightings.But the sheriff said he has a "100 percent expectation that she's alive."An Amber Alert was issued Monday for Jayme and several law enforcement agencies have joined the desperate search. 770

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