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Depending on the insurer, there may or may not be an upfront premium. You can also opt to make a single-premium payment instead of monthly payments. 151

With the rising cost of higher education, that is leaving fewer dollars in students' pockets. One example of the effect rising costs are possibly having on students is some students are going hungry. According to a Temple University study, nearly 36 percent of students were considered food insecure at some point in the proceeding 30 days of the study. Food insecurity is defined as limited or uncertain access to nutritional food. The study involved 66 institutions across 20 states and the District of Columbia. Four and two-year institutions were included in Temple's study. Also alarming according to the study was that 36 percent of college students were housing insecure, and 9 percent were homeless. And despite lower costs at two-year colleges, a higher percentage of students were facing food and housing insecurities. The study claimed 42 percent of students at two-year colleges faced food insecurities, compared to 36 percent at four-year schools. Although the costs are lower at community colleges, researchers believe the rising cost of college is a significant factor causing students to go hungry. "Prices have gone up over time," Sara Goldrick-Rab, a professor of higher education policy at Temple and the lead author of the report, told the Washington Post. "But the rising price is just a piece. This is a systemic problem." To read the full study, click here.  1439

Worldwide markets plummeted again Thursday, deepening a weeklong rout triggered by growing anxiety that the coronavirus will wreak havoc on the global economy. The sweeping selloff pushed the Dow Jones Industrial Average down nearly 1,200, its biggest one-day drop ever.The benchmark S&P 500 dropped down4.4% Thursday, its worst one-day drop since 2011.The S&P 500 has now plunged 12% from the all-time high it set just a week ago. That puts the index in what market watchers call a "correction," which is decline of at least 10% from a high. The six-day correction is the fastest in history.Stocks are now headed for their worst week since October 2008, during the global financial crisis.The losses extended a slide that has wiped out the solid gains major indexes posted early this year. Investors came into 2020 feeling confident that the Federal Reserve would keep interest rates at low levels and the U.S.-China trade war posed less of a threat to company profits after the two sides reached a preliminary agreement in January. Even in the early days of the outbreak, markets took things in stride.But over the past two weeks, a growing list of major companies issued warnings that profits could suffer as factory shutdowns across China disrupt supply chains and consumers there refrain from shopping. Travel to and from China is severely restricted, and shares of airlines, hotels and cruise operators have been punished in stock markets. As the virus spread beyond China, markets feared the economic issues in China could escalate globally.One sign of that is the big decline in oil prices, which slumped on expectations that demand will tail off sharply."This is a market that's being driven completely by fear," said Elaine Stokes, portfolio manager at Loomis Sayles, with market movements following the classic characteristics of a fear trade: Stocks are down. Commodities are down, and bonds are up.The Dow dropped 1,190.95 points, its largest one-day point drop in history, bringing its loss for the week to 3,225.77 points, or 11.1%. To put that in perspective, the Dow's 508-point loss on Oct. 19, 1987, was equal to 22.6%. Bond prices soared again Thursday as investors fled to safe investments. The yield on the benchmark 10-year Treasury note fell as low as 1.246%, a record low, according to TradeWeb. When yields fall, it's a sign that investors are feeling less confident about the strength of the economy.Stokes said the swoon reminded her of the market's reaction following the Sept. 11, 2001 terrorist attacks."Eventually we're going to get to a place where this fear, it's something that we get used to living with, the same way we got used to living with the threat of living with terrorism," she said. "But right now, people don't know how or when we're going to get there, and what people do in that situation is to retrench."The virus has now infected more than 82,000 people globally and is worrying governments with its rapid spread beyond the epicenter of China.Japan will close schools nationwide to help control the spread of the new virus. Saudi Arabia banned foreign pilgrims from entering the kingdom to visit Islam's holiest sites. Italy has become the center of the outbreak in Europe, with the spread threatening the financial and industrial centers of that nation.At their heart, stock prices rise and fall with the profits that companies make. And Wall Street's expectations for profit growth are sliding away. Apple and Microsoft, two of the world's biggest companies, have already said their sales this quarter will feel the economic effects of the virus.Goldman Sachs on Thursday said earnings for companies in the S&P 500 index might not grow at all this year, after predicting earlier that they would grow 5.5%. Strategist David Kostin also cut his growth forecast for earnings next year.Besides a sharply weaker Chinese economy in the first quarter of this year, he sees lower demand for U.S. exporters, disruptions to supply chains and general uncertainty eating away at earnings growth.Such cuts are even more impactful now because stocks are already trading at high levels relative to their earnings, raising the risk. Before the virus worries exploded, investors had been pushing stocks higher on expectations that strong profit growth was set to resume for companies after declining for most of 2019. The S&P 500 recently traded at its most expensive level, relative to its expected earnings per share, since the dot-com bubble was deflating in 2002, according to FactSet. If profit growth doesn't ramp up this year, that makes a highly priced stock market even more vulnerable.Goldman Sach's Kostin predicted the S&P 500 could fall to 2,900 in the near term, which would be a nearly 7% drop from Wednesday's close, before rebounding to 3,400 by the end of the year.Traders are growing increasingly certain that the Federal Reserve will be forced to cut interest rates to protect the economy, and soon. They are pricing in a 96% probability of a cut at the Fed's next meeting in March. Just a day before, they were calling for only a 33% chance, according to CME Group.The market's sharp drop this week partly reflects increasing fears among many economists that the U.S. and global economies could take a bigger hit from the coronavirus than they previously thought.Earlier assumptions that the impact would largely be contained in China and would temporarily disrupt manufacturing supply chains have been overtaken by concerns that as the virus spreads, more people in numerous countries will stay home, either voluntarily or under quarantine. Vacations could be canceled, restaurant meals skipped, and fewer shopping trips taken. "A global recession is likely if COVID-19 becomes a pandemic, and the odds of that are uncomfortably high and rising with infections surging in Italy and Korea," said Mark Zandi, chief economist at Moody's Analytics. The market rout will also likely weaken Americans' confidence in the economy, analysts say, even among those who don't own shares. Such volatility can worry people about their own companies and job security. In addition, Americans that do own stocks feel less wealthy. Both of those trends can combine to discourage consumer spending and slow growth.MARKET ROUNDUP:The S&P 500 fell 137.63 points, or 4.4%, to 2,978.76. The Dow fell 1,190.95 points, or 4.4%, to 25,766.64. The Nasdaq dropped 414.29 points, or 4.6%, to 8,566.48. The Russell 2000 index of smaller company stocks lost 54.89 points, or 3.5%, to 1,497.87.In commodities trading Thursday, benchmark crude oil fell .64 to settle at .09 a barrel. Brent crude oil, the international standard, dropped .25 to close at .18 a barrel. Wholesale gasoline fell 4 cents to .41 per gallon. Heating oil declined 1 cent to .49 per gallon. Natural gas fell 7 cents to .75 per 1,000 cubic feet.Gold fell 40 cents to ,640.00 per ounce, silver fell 18 cents to .66 per ounce and copper fell 1 cent to .57 per pound.The dollar fell to 109.95 Japanese yen from 110.22 yen on Wednesday. The euro strengthened to .0987 from .0897. 7132

-- New Jersey Sen. Cory Booker, Hawaii Rep. Tulsi Gabbard and former Secretary of Housing and Urban Development Julian Castro -- did not meet the Democratic National Committee's criteria to take part. And California Sen. Kamala Harris earlier this month became the latest major candidate to drop out of the race.At a time of Democratic indecision, the remaining contenders are all facing their own challenges. Biden is clinging to his front-runner status after a series of uneven performances. Sanders has experienced something of a resurgence after having a heart attack earlier this year, but he and Warren are still splitting the far left of their party while trying to demonstrate that they can build a coalition to vanquish Trump in the general election.Biden led the field at 26% in 790

on Tuesday.A woman is in custody as the child's father said a driver abducted his daughter on Saturday evening in Penn Hills, Pennsylvania, according to police documents and a news release.Paul Johnson said he was riding in a car with Lyft and Uber stickers with his daughter and two friends, according to a criminal complaint filed by the Allegheny County police.The driver of the car was Sharena Nancy, a woman with whom Johnson was in the beginning of an "intermittent romantic relationship" with, Allegheny County Police Superintendent Coleman McDonough said at a press conference Tuesday.The couple became acquainted over social media in the past few months and spent several hours together with Johnson's daughter and another friend on Saturday, before an argument ensued while the woman was driving, McDonough said.While police did not elaborate on the details of the argument, McDonough said it was significant enough that Johnson and his other friend decided to exit the car.Johnson said that when he got out of the car and went to get his daughter out of the car seat, the driver drove away with the toddler, the complaint said.McDonough was joined at Tuesday's press conference by Taji Walsh, Nalani's grandmother, and FBI Special Agent in Charge Chad Yarbrough.Authorities and Nalani's family members were asking the public to contact them with tips."We miss Nalani. We want her home. If anyone has any info — it doesn't matter how big or how small — please call into the tip line," Walsh said.Johnson told detectives he tried calling the driver's cellphone multiple times, but she never picked up, so he called 911 around 5 p.m. ET.Police arrested driver Sharena Nancy, 25, in the vehicle during a traffic stop around 7:30 p.m. ET, but did not find the child inside, the complaint said.Nancy told detectives that Johnson sold the child to an individual for ,000 and asked her to complete the drop-off, according to the complaint.Nancy said he showed her a photo of a black woman she was supposed to meet and asked her to drive the toddler "20 minutes" from a gas station in Monroeville along US Route 22 to meet the woman, the complaint says.Nancy said she was told the woman would then "flag" her down and Nancy was to turn over the toddler, the complaint says.Nancy told detectives she encountered a silver SUV with out-of-state license plates parked on the side of the road and did as she had been instructed, passing the toddler and the car seat over to a woman standing next to the car and then driving off. Nancy told police she saw a second woman inside the SUV.Nancy said she then drove around, smoked cigarettes and talked on the phone with her husband, the complaint said.McDonough said Tuesday they have no evidence to corroborate Nancy's version of events, adding that Johnson and his family have been cooperative with the ongoing investigation.Nancy, who is being held without bail at the Allegheny County jail, was arraigned on Monday after being charged with kidnapping of a minor, interference with custody of children and concealment of whereabouts of a child. Her preliminary hearing is scheduled for September 16.CNN was unable to identify or reach an attorney for Nancy.Nalani's grandmother, Taji Walsh, told 3247