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Gibson Brands has filed for Chapter 11 bankruptcy protection amid what the company has called a “devastating” financial fall. The announcement was made Tuesday morning. As part of the filing, the company said it will kill its Innovations unit, which makes Phillips headphones, speakers and other electronic accessories. A federal judge will be required to sign off on the plan. Sixty-nine percent of lenders have given their support, but other vendors could potentially object to the plan and demand liquidation – causing Gibson to go out of business. Gibson has factories in Nashville, Memphis, and Bozeman, Montana. They employ more than 875 people.   686

Hours after Roseanne Barr blamed her use of sleep medication Ambien for a racist tweet, the makers of the drug responded with a tweet of their own."People of all races, religions and nationalities work at Sanofi every day to improve the lives of people around the world,"  Sanofi US, the makers of Ambien, tweeted. "While all pharmaceutical treatments have side effects, racism is not a known side effect of any Sanofi medication."Dictonary.com's Twitter account also trolled Barr's excuse, tweeting "The name Ambien is thought to come from the word "ambient" or similar words in French. Ambient does not mean "prone to making racist comments," but it does mean "of the surrounding area or environment.""In a since-deleted tweeted on Tuesday night, Barr said she was "Ambien tweeting" when she sent a racist tweet about a former Obama aide Valerie Jarrett on the night of Memorial Day."guys I did something unforgiveable (sic) so do not defend me. It was 2 in the morning and I was ambien tweeting-it was memorial day too-i went 2 far & do not want it defeneded-it was egregious Indefensible. I made a mistake I wish I hadn't but...don't defend it please. ty,

High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

Halloween may be a little spookier this year. A blue moon is set to light up the sky on Oct. 31.Many have heard the phrase, “once in a blue moon.” It refers to something rare, just like this celestial event. NASA says we’re only treated to blue moons every two and a half years, on average.A blue moon is the second full moon in a calendar month, according to modern folklore. And since there are 29 days between moons and most months have 30 or 31 days, having two full moons in a month doesn’t happen often.The next blue moon isn’t expected until Aug 31, 2023, according to MoonGiant.com.Don’t expect a giant blue orb in the sky though. These moons look the same as any other.Before the blue moon on Halloween, another full moon will appeared in the sky on Oct. 1. The first was called the harvest moon and the second will be referred to as the hunter’s moon, according to the Old Farmer’s Almanac.The Farmer’s Almanac says a full moon on Halloween is also rare and only happens every 18 to 19 years. 1010

Henry Gonzales isn’t afraid to get his hands dirty or clean up his community.He started working on farm fields at 13 and saw firsthand the struggles of migrant farmworkers.“I remember the terror on the face of coworkers back then when immigration would drive, stop by,” he said.Gonzales has since worked his way from farmhand to Agricultural Commissioner of Monterey County the fourth largest agricultural producing county in the country.Producing .4 billion worth of produce in 2019, Gonzales is now looking to protect the area’s products and the 60,000-plus agricultural industry workers.“It’s critically important not just for them but for everybody that eats that produce,” he said.Gonzales’ team recently introduced a hotline for farmworkers and their families to report safety concerns, ranging from COVID-19 to smoke from the nearby wildfires.Staffed by agricultural inspector biologists 24/7, 365 days a year, Gonzales calls this hotline the first of its kind in the country and industry leaders are taking notice.“It causes a lot more appreciation for those hands that are harvesting our crops,” said Norm Groot, executive director of the Monterey County Farm Bureau.He believes this hotline can help improve working conditions and the agricultural industry overall.With Hispanics and Latinos, ethnic groups that make up most farmworkers in the area, accounting for more than 75% of the confirmed COVID-19 cases in Monterey Country, this hotline comes at a time where it’s needed more than ever.“I think it’s critical that we have some sort of avenue that farmworkers can feel that they have a voice,” Groot said.The funding for this hotline comes from the county’s pesticide budget.While callers can remain anonymous, Gonzales understands the hesitations.“Many of them are concerned if they call, they complain that there might be retaliatory measures taken against them,” he said. “So, we do reassure them that there are laws to protect them from retaliation.”From farmhand to government leader, Gonzales has worked his way up in the agricultural industry and hopes this hotline inspires others to take similar actions.“We’ve just increased the standard as it were for everyone in the state, other ag commissioners and other agencies to do the same,” he said.To contact the hotline, call 831-809-2394. 2324

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