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GREELEY, Colo. – Chris Watts was told Tuesday at an advisement hearing in a Weld County courtroom that he faces nine felony counts, including first-degree murder and unlawful termination of a pregnancy, in connection with the deaths of his wife and two daughters in Frederick last week.Watts, 33, faces three counts of first-degree murder after deliberation, two counts of first-degree murder – victim under 12/position of trust, one count of first-degree unlawful termination of a pregnancy and three counts of tampering with a deceased human body.The unlawful termination of a pregnancy charge comes because Shanann Watts was 15 weeks pregnant at the time she was killed. Former Boulder District Attorney Stan Garnett explained the statute in an interview with Denver7 Friday.In court Tuesday, Watts answered questions from the judge of whether he understood the charges against him with short responses of, “Yes sir.”Watts and his attorney waived his right to a preliminary hearing within 35 days and asked for a status conference to be held instead. His attorney and prosecutors agreed that an evidentiary and discovery hearing could be held in the case as well.Prosecutors will have 63 days after Watts' arraignment to decide if they will seek the death penalty in the case. If they do not, Watts would face mandatory life in prison without the possibility of parole if he is convicted on any of the murder charges.Shanann’s father and brother, Frank Rzucek and Frank Rzucek Jr., both attended the hearing. The elder Rzucek was visibly emotional during the hearing; his son comforted him as he buried his head in his hands and wept as the charges against Chris were read.The affidavit for Watts' arrest was ordered unsealed Monday and was released Monday afternoon. It says that he was having an affair that he had previously denied to police, and that he claimed that Shanann had strangled their daughters, Bella and Celeste, after he told her he wanted to separate.Watts was arrested late last Wednesday and has been held without bond ever since.His pregnant wife and daughters, 34-year-old Shanann, 3-year-old Celeste and 4-year-old Bella, were reported missing last Monday by a family friend after Shanann missed a doctor’s appointment.A day after the three were reported missing, Chris Watts gave an interview to Denver7 in which he pleaded for the girls to come home and said he and his wife “had an emotional conversation” before he allegedly last saw her.Shanann’s body was discovered in a field on Anadarko Petroleum Company property. Court documents show her body was found in a "shallow grave near an oil tank." Her daughter’s bodies were discovered concealed within oil tanks nearby, sources told Denver7. Court documents filed late last week show experts were advised the bodies were in tanks filled with crude oil "for several days." Chris Watts had been an Anadarko employee but was fired by the company Wednesday.At a news conference Monday, Weld County District Attorney Michael Rourke declined to elaborate on the case beyond the documents that were released.At the same news conference, Rzucek delivered a brief statement: "We would like to thank everyone in the Frederick Police Department and all the agencies involved for working so hard to find my daughter, granddaughters and [unborn child] Nico," Rzucek said. "Thank you everyone for coming out to the candlelight vigil and sending all your prayers. They are greatly appreciated. And keep the prayers coming for our family. Thank you very much.”Watts will continue to be held without bond after Tuesday’s court hearing. His status conference was set Tuesday for Nov. 19 at 10:30 a.m. 3686

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

HAWAII (KGTV) -- As more evacuations loom in Hawaii, San Diegans are working to help those already in shelters on the Big Island.  143

From the 2001 anthrax attacks?to the Unabomber case, using the mail or other services to deliver deadly weapons has a long and frightening history in the United States.Wednesday's suspicious packages that were sent to several Democratic leaders -- including former Presidents Obama and the Clintons -- and the explosive device that triggered the evacuation of CNN's New York bureau were the latest in a long list of similar incidents, some that proved deadly.There have been no reports of injuries or deaths in the latest incidents.Here are some of the more notable examples of how criminals have weaponized US mail or package delivery services: 663

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