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As the pandemic continues, homeless shelters are having to change their approach to meet the needs of families.At least one network of shelters is doing that by trying to prevent homelessness.Family Promise is the largest homeless shelter in the country. Last year, it helped 93,000 people.It provides aid to those who need housing by placing them with community partners within the interfaith community.The executive director in Arizona says the problem right now is these communities are shutting down in the pandemic.“The congregations in the last six months, five and half months, have gotten used to not hosting,” said Ted Taylor, Executive Director of Family Promise Arizona. “We have to get them back into the hosting mode because it is what makes our model work. So, the fear that is at congregations still remains. It is real and it is a very difficult start.”Family Promise says the average cost to rescue a family is ,000 and it takes as long as four months. For Family Promise, it costs ,000 and takes 43 days.While their new effort to prevent homelessness gets up and running, Family Promise says looming evictions require more community support than ever.So far, Family Promise has prevented 10 families from homelessness in Arizona. It hopes to reach 40 by the end of the year.Nationwide, the executive director says the effort to prevent homelessness could reduce the number of people needing a place to stay by 25%. 1445

As President Donald Trump’s chances of re-election are sagging on Wednesday, the president declared himself a winner in the presidential election on Wednesday despite projections showing he is trailing Joe Biden in the Electoral College.As of Wednesday evening, Biden holds a 248-214 advantage in the Electoral College. Biden also holds an advantage in Michigan, Arizona, and Nevada. If Biden hangs on and wins those states, he’ll have a projected 270 Electoral College, which is exactly the number needed to win.Twitter has recently updated its policy regarding misinformation involving the election, and as of 2 p.m. ET Thursday, Trump had his Twitter account flagged eight times for misinformation. 709

As the school year comes to a close, students will find many ways to thank their teachers.One student in Lackawanna County, Pennsylvania may have found the best way, by helping his teacher win a new car.Students at the Career Technology Center of Lackawanna County were more than happy to head outside to the parking lot on a beautiful day. The short field trip was about to become a lot sweeter for one of the CTC's teachers, who was awarded the title of Burne Honda's Teacher of the Year.Kyle Linko, a welding technology teacher at the school in Scranton, took the title and the grand prize: a brand new Honda Civic. 631

Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

As some companies consider making work-from-home permanent, others see the value in creating a workplace for employees. "We've always been flexible in our workplace, we've always allowed people to work from home if they want, and what we learned is that people do want a place that is their own that we can come into," said Reid Carr, CEO of the marketing agency Red Door Interactive. After years of leasing an office in downtown San Diego, the company wanted to create its own space, designed to foster collaboration and growth."We were excited when we found it, we had a vision for how this whole process was going to go down," said Carr. The company purchased nearly half an acre of property to create a campus-style workplace. But after the pandemic hit, they overhauled the design to ensure it was a space employees not only wanted to go to but could feel safe in.The new campus will incorporate touchless features throughout the buildings, like doors and water bottle filling stations. They're creating outdoor meeting spaces with heaters and shades so that they can be used year-round. And inside, they're investing in the best available HVAC systems for air filtration."I'm learning at all this stuff as we go, but we're looking at hospital grade stuff. The perspective we took is there's always going to be flus and colds, so why not do these things that will help keep people from spreading disease," said Carr. In addition to having their own socially distanced desks, employees will have designated areas separate from visitors, including the kitchen. One building will be the epicenter of conference rooms so they can be easily cleaned more frequently."Certain things never change. You want to feel like you belong to something, you want to connect with people," said Carr. The company plans to break ground on its new campus in early September, with plans to complete the project in April 2021. 1916