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At first, Kelly Fyffe-Marshall's stay in Rialto, California, was ending pretty normally. She and her four friends -- three of them black women -- checked out of their Airbnb rental and dragged their luggage to their vehicle.Then things got weird.Seven police cars showed up. The neighborhood was seemingly locked down. 326
As she watches her three boys play in the backyard, Acacia Clark can’t help but be consumed by an overwhelming sense of anxiety as she thinks ahead to the coming school year.It’s been a long four months for Clark and her husband, who are both trying to juggle full-time jobs, while at the same time, raise their young kids who haven’t been inside a classroom since March.“My focus on my work has been abysmal,” Clark said, as one of her 6-year-old twin boys asks her for a popsicle. “I’ll get in a few minutes here or there, but it’s been very stressful.”The COVID-19 outbreak meant schools in Newton, Massachusetts, where this family resides, had to be shut down. Across the country, school districts are carefully weighing their options about reopening in the middle of a pandemic.Clark wants her children to have the daily structure of school back in their lives. However, she's also incredibly concerned about someone in her family catching the virus.“What if one of us gets sick? That means the whole house would get sick. Then, how do we work?” she wondered.That is the reality facing countless families across the country.“It’s more than being stuck between a rock and a hard place, it’s just being stuck in a hard place constantly and not having a light at the end of the tunnel,” she added.Families are now having to juggle it all, while at the same time, making sure their kids don’t fall through the cracks.As some school resume in-person learning, many parents like Clark are worried about what could happen if there’s a sudden outbreak and their child’s school is forced to shut down.“I can either work or be there for me kids; I can’t do both,” she said.Recognizing the impossible predicament the pandemic has placed parents in, Congress passed the Families First Coronavirus Response Act back in March. It gives parents two weeks of paid sick leave if you find yourself having to quarantine. Parents also get two weeks of paid sick leave at two-thirds of their regular salary if the child's school or daycare shuts down because of COVID-19. Additionally, it guarantees 10 weeks of leave at two-thirds of their salary if they need to take care of a sick child.But those benefits will run out on December 31.“Employers are recognizing that there has to be a solution. If kids can’t go back to school, parents can’t go back to work full-time,” explained Chris Feudo, an attorney with Foley Hoag in Boston.As the pandemic enters its fifth month in the United States, Feudo says another issue facing parents is that they’ve already exhausted all of their FMLA leave. Because of that, he says parents should talk to their employers as soon as possible if it appears your child’s school or daycare might shut down because of a COVID-19 outbreak.“Come up with a plan and say, ‘This is the most I can do for my employer.’ If you have a thought-out plan, it shows you're being proactive and I think employers will be more responsive to that,” he added.Feudo says if you've run out of FMLA leave and need to ask your boss for more time off to care for family members, it's best to have the conversation in-person, if possible, or via a Zoom or video conference call. He says employers are being more flexible right now because of the outbreak but they need to see that employees are willing to bring up difficult situations before they become major issues.Under federal law, it’s also illegal for employers to retaliate against someone for using FMLA leave.As for Clark, she’s still waiting to find out if her district will have in-person learning this fall and she’s doing her best to manage whatever new challenge the pandemic throws her way.“I don’t know single parents are doing it, especially if they’re trying to bring in a paycheck,” she said. 3762

ATLANTIC CITY, N.J. (AP) — The federal government is warning Americans to brace for a "floodier" future.Government scientists predict 40 places in the U.S. will experience higher than normal rates of so-called sunny day flooding this year because of rising sea levels and an abnormal El Nino weather system.A report released Wednesday by the National Oceanic and Atmospheric Administration predicts that sunny day flooding, also known as tidal flooding, will continue to increase."The future is already here, a floodier future," said William Sweet, a NOAA oceanographer and lead author of the study.RELATED: Devastating 'ARk' storm envisioned for California by U.S. Geological SurveyThe report predicted that annual flood records will be broken again next year and for years and decades to come from sea-level rise."Flooding that decades ago usually happened only during a powerful or localized storm can now happen when a steady breeze or a change in coastal current overlaps with a high tide," it read.The nationwide average frequency of sunny day flooding in 2018 was five days a year, tying a record set in 2015.But the East Coast averaged twice as much flooding.The agency says the level of sunny day flooding in the U.S. has doubled since 2000.Nationwide, the agency predicted, average sunny day flooding could reach 7 to 15 days a year by 2030, and 25 to 75 days a year by 2050.RELATED: How to check if your neighborhood is at risk of flooding"We cannot wait to act," said Nicole LeBoeuf, acting director of NOAA's Ocean Service. "This issue gets more urgent and complicated with every passing day."Global sea levels are rising at a rate of about 3 millimeters a year, or about an inch every eight years, according to Rutgers University researchers, who predict that by 2050, seas off New Jersey will rise by an additional 1.4 feet (0.4 meters).The study noted floods interfering with traffic in northeast states, swamping septic systems in Florida and choking Delaware and Maryland coastal farms with saltwater over the past year.Baltimore experienced 12 days of high-tide flooding from 1902 to 1936. Within the last 12 months, it experienced an additional 12 days.Robert Kopp, a leading climate scientist with Rutgers University, who was not involved in the study, said it confirmed many well-established trends."It's simple arithmetic: If you have higher sea level, you will have tides causing flooding," he said. "We're not talking about disaster flooding. We're talking about repetitive flooding that disrupts people's lives on a daily basis. It's sometimes called 'nuisance flooding,' but it has real impacts and costs."RELATED: Mega storm could cause billions in damage to California, report showsThe report cited the disruption of commerce in downtown Annapolis, Maryland, where parking spaces are lost to flooding. A 2017 study put the price tag on lost economic activity at as much as 2,000. The water table has risen to ground level and degraded septic systems in the Miami region, and farmlands in the Delmarva Peninsula in Delaware and Maryland have been damaged by salt water encroaching into planted areas.High-tide flooding is causing problems including beach erosion, overwhelmed sewer and drinking water systems, closed roadways, disrupted harbor operations, degraded infrastructure and reduced property values — problems which "are nearly certain to get much worse this century," the report read.The report's statistics cover May 2018 through April 2019.The agency forecasts sunny-day flooding this year in Boston at 12 to 19 days (it had 19 last year). It predicted sunny-day flooding this year in New York (8 to 13 days, compared with 12 last year); Norfolk, Virginia (10 to 15 days; compared to 10 days last year); Charleston, South Carolina (4 to 7 days, compared to 5 last year); Pensacola, Florida (2 to 5 days compared with 4 last year); Sabine Pass, Texas (6 to 13 days compared with 8 last year) and Eagle Point, Texas (29 to 40 days, compared to 27 last year).West coast predictions included San Diego (5 to 9 days compared to 8 last year); Los Angeles (1 to 4 days compared to 5 last year); Humboldt Bay, California (6 to 12 days compared to 12 last year); Toke Point, Washington (9 to 21 days compared to 12 last year) and 2 to 6 days in Seattle, compared to 2 last year.The report documented that 12 locations broke or ties their record of sunny day flooding last year, including 22 in Washington, D.C., 14 in Wilmington, North Carolina; and 12 each in Baltimore and Annapolis.FEMA created flood maps of San Diego County which enable users to search by their address. Click here to find your hazard risk. 4654
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 debate over voting by mail continues, President Donald Trump told a North Carolina news outlet that voters should test election safeguards by voting both in person and via mail, something which could cause voters legal issues.Trump has expressed doubt in mail-in voting during the 2020 election cycle, claiming that mail-in voting is prone to fraud. But many states, some of which are led by Republicans, are ramping up mail-in voting efforts. Proponents of mail-in voting say that it is a safer alternative than in-person voting given the coronavirus pandemic.The president, speaking to a reporter from WECT, said he wanted voters to test the state’s safeguards.“So let them send it in and let them go vote, and if their system’s as good as they say it is, then obviously they won’t be able to vote,” Trump told WECT. “If it isn’t tabulated, they’ll be able to vote. So that’s the way it is. And that’s what they should do.”In North Carolina, it is a Class I felony to vote twice. The National Conference of State Legislatures has a list of laws pertaining to “double voting” on its website. Voting twice in an election is illegal across the US.Meanwhile on Wednesday, US Attorney General William Barr said that voting by mail is “playing with fire.”“We're a very closely divided country here,” Barr told CNN’s Wolf Blitzer. “And if people have to have confidence in the results of the election and the legitimacy of the government and people trying to change the rules to this, to this methodology, which as a matter of logic is very open to fraud and coercion, is reckless and dangerous. And the people are playing with fire."While there is scant evidence of widespread voting fraud in past elections, there are questions on the US Postal Service’s ability to return ballots in time to be tabulated.In Florida, Volusia County Elections said more than 1,000 ballots that should have been counted for last month’s primary did not arrive on time. There were 1,281 ballots postmarked the day before Election Day, but election officials received them too late to be counted.The USPS has experienced some service disruptions as some sorting machines have been removed from some post offices. While this had an impact on last month’s primary, the USPS slowdown has also caused slowdowns for essential items such as medicines and paychecks. 2350
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