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As COVID-19 cases spike across the country, public health experts, doctors and everyday people are constantly checking the spread of the virus in their communities.There are several tools available that give a variety of information regarding case levels. Some trackers provide the number of cases over a 100-day period, while others compare the number of positive tests to the total number of tests.The information can be overwhelming, especially for those who are not health experts. What information is useful, and how should the general public use it to make decisions about their everyday life?Health experts say any tool will help provide context to the situation, as long as the information comes from a legitimate source, like a state health website or reputable institution like Johns Hopkins University.But to make things easier to understand, experts suggest using just one tool in order to get information."If you're traveling somewhere, you want to be able to compare your risk at home versus your risk on the trip," said Dr. John Hammer, the chief of medicine at Rose Medical Center. "It's nice to have a tool that's used in both places to measure that."Using just one source makes it easier to understand the situation, even if the numbers vary from tool to tool. 1286

An epic day on the water... lots of sharks, got some good data, excellent crew. #sharkspies #trackingnotslacking #treasurethesedays pic.twitter.com/4nFhiCV7F2— Chris Lowe (@CSULBsharklab) October 15, 2020 218

As COVID-19 cases continue to rise, the restaurant industry is one of the first starting to deal with a second round of closures.Restaurant owners and employees are starting to fear the losses that could come as a result. For example, the restaurant Eden in Chicago opened its doors in 2016. But the first week of March, it was on pace to have its best quarter since opening. Owner Jodi Fyfe said so much changed a week later.“At that time, we had 526 employees. If you look at it today, we have 24,” said Fyfe.In March, she had to start laying off more than 90 percent of her workers and despite reopening over the summer, she couldn't afford to keep her staff on the payroll and pay the restaurant rent.Looking at the business potential over the winter was bleak. COVID-19 cases were projected to rise, and a potential second round of restaurant closure mandates would be even more financially devastating.In August, Fyfe made a tough, but what she felt was a necessary decision.“Essentially, we had to close the restaurant and that was like a death,” she said. “It was like the death of a family member.”Fyfe focused on keeping her other business, catering, afloat, while now seeing the reality she feared. As many as 7,500 restaurants just in Illinois may have to close permanently as a result of a recent indoor dining ban.“It is becoming devastating,” said Sam Toia, who is with the Illinois Restaurant Association.Toia worries about the effect on both restaurant owners and employees.“If things don’t change with no indoor dining or no stimulus bill, 66 percent of the restaurants feel they could be out of business within the next four months,” Toia added.This week, the National Restaurant Association sent a letter to governors and mayors across the country, stating in part it has “not found any systemic outbreaks of COVID-19 from the hundreds of thousands of restaurants around the country that operate within the Association's guidance.”The association is urging officials to reconsider current bans and future ones based on the data.“We are such a vital part of serving an underserved community, finding them jobs, finding them a livelihood,” said Sean Kennedy with the National Restaurant Association. “When we shut down, a lot of folks do not have the transferable skills that they can apply elsewhere. The restaurant industry really needs to stay strong so we can take care of these people.”Roughly 2 million restaurant workers are currently out of work, and further closures mean even more will be unemployed. With no new stimulus bill, these workers, along with restaurant owners, stand to lose the livelihoods, with little to no help on the horizon. 2678

An altercation between two families at a toddler's birthday party in Texas led to a shooting that left four men dead and one injured, authorities said.Police responded to reports of a shooting at a 1-year-old's party in Taft on Saturday, said Sgt. Nathan Brandley of the Texas Department of Public Safety.Police are looking for two suspects they believe were involved in the shooting, he added. 402

As a 58-year-old woman on disability, Robin Short of Wallingford, Connecticut, relies on her tax refund to catch up on bills. She filed her return electronically in February, opting for direct deposit so she could get her 3 refund quickly.She’s still waiting, as are millions of others. The IRS is slowly resuming operations after pandemic-related lockdowns, but delayed refunds are devastating some people’s finances.Tax refunds have become a lifelineTax refunds, which last year averaged ,979, are the largest single infusion of cash for about 30% of U.S. families, says Fiona Greig, consumer research director at the JPMorgan Chase Institute, which researches economic issues. While many Americans use refunds to save or to pay down debt, significant numbers rely on the money to cover bills or to get needed medical care — and that was true even before millions lost jobs and income during the COVID-19 pandemic.Delayed refunds can lead to evictions, hunger, creditor lawsuits and health problems from postponed medical care, among other ill effects. Many households live so close to the edge that they can experience hardship when a refund is delayed by two or three weeks, let alone several months, says John Thompson, chief program officer for the Financial Health Network, which researches financial challenges facing low- and moderate-income households.“Not everybody has got the kind of flexibility or resilience to just be able to hold on,” Thompson says.Pandemic shutters most IRS operationsThe IRS started shutting down tax return processing centers in March, along with its taxpayer help line, local offices and volunteer assistance programs. Soon after, it focused on sending out more than 159 million payments as authorized by the coronavirus relief package. By mid-May, the agency faced a backlog of 10 million pieces of unopened mail, including paper tax returns.People who filed electronically generally got their refunds unless those returns were flagged, commonly because of identity theft concerns or a mismatch between the information on the return and what was provided by employers or financial institutions.In Short’s case, the TurboTax software she used counted a ,800 annual pension payment twice, as both 1099 income and as W-2 income. The IRS sent her a letter about the error and advised her not to contact the agency for 60 days while the issue was resolved. Then, the lockdowns happened.Short says her pension and monthly Social Security disability checks don’t cover her expenses. She makes arrangements to pay overdue bills, such as her power bill, when her refund arrives. Otherwise, she says, the math of living on a low fixed income gets grim.“Either you miss a payment on the electric bill, or you don’t get your medicine,” says Short, a former facilities manager and insulin-dependent diabetic who was severely injured when her car was hit by a drunk driver.Using refunds to catch upPutting off bills, then using tax refunds to catch up, is a common practice among strapped households, Thompson says. A survey of people who used free filing methods for lower- and moderate-income taxpayers last year found roughly half said they needed their refunds for bills, rent, groceries and other everyday expenses, according to Prosperity Now, a nonprofit that promotes financial security.People also increase their health care spending significantly after refund checks arrive. A 2018 study of 1.2 million checking account holders found health care spending rose 60% in the week after people received refunds, indicating many were catching up on care, Greig says.It’s not clear how long it will take the IRS to address the backlog or when taxpayers can expect their money. People can try using the “Where’s My Refund?” tool on the IRS site or call the taxpayer help line, but getting through to a human is difficult even in normal times. Congress has cut the IRS’ budget by 20% since 2010, leading to a 22% reduction in staff, according to acting National Taxpayer Advocate Bridget Roberts. Without adequate staff, the agency answered less than one-third of its calls last year. Another option is to contact the Taxpayer Advocate Service, which has representatives in each state.Rather than wait for the IRS to return their money each year, taxpayers can adjust their withholding so they get more money in their paychecks. But many don’t feel comfortable changing their withholding in case they wind up owing big sums, Thompson says.“You’d have to predict how the year is going to go,” Thompson says. “And what could we possibly predict about this year?”This article was written by NerdWallet and was originally published by The Associated Press.Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4782